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Is now still a good time there for you? Fantastic. Before we jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just to do security there with you, we're supposed to confirm your full name, your date of birth, and address I should have on file there. Beautiful. Thank you so much for that. How's your morning been so far? Oh, so busy then. Oh, no. No toilet paper and children isn't a good combination. Oh, look. All good. Look. I'll try to set up too much of your practice, Sam. I can see that you're clearly very busy today. I don't normally send through some annual review documents for you for you to run through with me. Are you okay to look at your emails? Or no worries. I'll just send that's okay. You're fine. I'll just send that through to you. Your email address I have is aldred83@outlook.com. Is that right? Yep. Yep. And .com@theend? Yeah. Oh, I'm so sorry. I got a bit tongue tied there. My apologies. Oh, good. Yep. That's the one. Thank you. When you open that one there, it'll have a button that says, I believe, click the start. Click to start at the very top. Yes. Yes. Perfect. Sorry. They've updated that. It used to say click the start, then you go through to the next document. So yeah. So press that button, and then if you go through, it should say the summary of your granulation and insurances. No. No. Not correct. Yeah. No. It's just the yep. And it'll take you through so you can view the documents and run through them all. It doesn't ask you to sign anything until you have read them all through, and you're welcome to take them back and review them prior to signing. I'll never ask you to sign anything you haven't read. Just the first document should say summary of superannuation and insurance is there. Can you see that one? Is that nice and clear in front of you? Oh, sorry. No. No. You're fine. No. That's okay. Is it loading? Or mhmm. Yep. Yep. That's oh, okay. No. So at yeah. If you're supposed to assign documents, what does that do? It should take you forward so you can see the document. It used to have at the very top on the bottom depending on what you're looking at the documents on, whether it be a phone or a computer. It used to have a button that said click and assign, and you could click that button, and it would take you through so you can see the next document or the first document. Yeah. No. That's definitely not the spot we want you to be. If you go out, then go back in again. That's okay. I'll just resend the documents through you as well because that might help. Yeah. Normally, when you go in, there's a button at the very top of the screen. It says normally, it says click to sign unless they've changed it, but it normally is at the top of the screen or the bottom of the screen. And it it says click to sign or click to start. Yeah. You're right. I've just reset them to you as well. So there should be a new link coming because it could've been the link. No? Has it gone to the the junk mail at all? Sometimes I get a direct to junk. If not, I can just run through things for you. Oh. Yep. That's I've had it it happened once or twice before. It's like some of the emails register or receive a fax and others depending on what you're connected to and receiving. Yeah. Oh, perfect. That's okay. And at the top, is there a button that says click to sign or click to start or sign document? Is there any yes. So click on that button there, and it should take you to the next document. And on the top of that next document, it should say summary of superannuation and insurances as of yesterday's date. Is that loading for you at the moment or Oh. If oh, it's like it hasn't loaded correctly because there's definitely like, I'm looking at the email on this side of it. I can see there's definitely writing in the documents. Like, they're not loading correctly. It might be just the way it's been being yeah. That's okay. I'm so sorry. Is there a, like, a next like, a button that you can sort of scroll across back and forth throughout the documents at all? It's like it's just taking a lot longer to load to register because it's definitely that's okay. If it's easier, I can I'm not sure. If you go back to the laptop and you press that same button, just see if it does the same thing for you. Because it's just like the documents aren't being they're not being loaded correctly or love technology when it wants to work for us. Okay. No. That's okay. It's just the way it's sort of being received and downloaded. That's okay. It's just easier if you're able to see them. We get there in the end. It's all good. I love technology when it wants to work in our favor. That's all good. The first one there is your summary showing you your updated balance there. So so can I give you a view last year at this time? Sorry? Yep. That's your balance as of yesterday's date there. Correct. So if we look at it last year, your balance is a 144,505 a $144,509.99 there, and you're sitting at a $162,287.50 there as of yesterday's date, which is good. That's what we wanna see. Yeah. Yeah. You're right. I can go back and look at that for you as well. That is absolutely fine. Two seconds. I'll just go into the stuff file and look at the original advice piece. That was 2024. So back then, we had a record super balance of 116 so 121,319 within Tessa. The starting balance in Hub '24 was 116,919 after the implementation date end. So we started with 116,000. We worked up to a 144 last year, and then we're now seeing at a $162,287.50 there, which is good. That's what we wanna see. But we wanna make sure it continues to work harder for you as well. So your balance is doing really well. When I sort of look at how things have performed, some people do prefer a job as opposed to a percentage, so I like to give both. When we look at the income plus the growth within the portfolio over the past twelve months, we've essentially made eleven thousand one hundred and forty seven dollars and ten cents as in growth and income within the portfolio. It equates to about a 6.80% return, so it is very on par for where we'd expect your super to be. It is really good that it has returned that. This year has been very up and down with the market, and we have seen a lot of volatility there. But from sort of July onwards, we've seen a bit more of a not so much stable, but more stability within the market there. So it has performed really well. However, I do wanna update some advice because there is some changes I would like to make to your super, and I've I've found some areas that we can definitely look to improve on your performance and try to make sure it's working longer term for you. And that's part of what we do is to make sure we update the advice and make changes as we need to so that your future is reflective and working harder towards your goals long term for you as well. Okay? That's okay. On the bottom there, you've got your insurance notice. So you've got some life and TDD and some income protection there as well. In the event of passing, if you were to say pass away today, your life cover pays out 819,000, and then your super balance is paid on top of that. Am I right in assuming you probably want all that paid to Aaron to cover bills, expenses, living costs? Yeah. Beautiful. Are you fairly happy with that level of cover? Did you wanna kinda look at reviewing that at all? That's okay. Well, we can talk about it. It's absolutely fine. If it's yeah. That's absolutely. I mean, if you sort of look at the amount that you are covered for, so if we kinda break it down to make it a bit easier because that might make it helpful. If we look at that, so your super plus your life insurance essentially comes to about 981,287. On your main primary residence, I haven't noticed you don't have any debt. Is that correct? Your debt rate on your main primary home? You do have a mortgage. Do you know how much you have owing on that? Yep. No. That's okay. No. That's okay. So I had there's a debt owing on the investment property of 350. Is that what you have on the investment property, or would that have been the two loans combined? Mhmm. Mhmm. 300 on that one. Beautiful. And, sir, how much did you say was on the main primary residence at the moment? About 400. Excellent. Beautiful. Save those for you. Lovely. So, realistically, if you think about the level of cover that you have at the moment there, the 981, if you then sort of have that paid out to cover the two mortgages, that would essentially roughly leave about 281,000 for Aaron to, you know, have paid out both of those loans, be completely debt free, collect income from the investment property, and then, you know, take some time off to recover. Do you feel like that would be fairly okay? Yes. Yes. Yeah. That's okay. That you're honestly fine. It's more here's the name. Yeah. That's okay. That's definitely fine. If you like, after the call, I can send through a breakdown of your insurance cover. That way, you're able to sort of have a chat to them about it. And then if you decide you wanna review that or reassess it, you're welcome to let me know. How does that sound? Yes. Beautiful. Income wise, I had you on about 55,000 per annum. Has that increased at all recently, recently, or are you still the same? Yeah. Yeah. Yep. A 100,000? Let's update that for you. Absolutely. So, realistically, I mean, if you looked at the level of cover you have at the moment and I'll break this down in the email for you just to provide clarification so you can kinda break it through and talk about the outcome. But if you were to sort of, you know, take the level of cover you have, pay off the main primary residence, that essentially leaves about $581,002.87 roughly. And then dividing that by that money, that certainly gives a little over, you know, five years worth of income replacement on top of that. And then if he wants to sell the investment property, clear that loan, there could be additional funds there to support him in the event of you passing. So we tend to kinda look at it that way and sort of see, does that kind of meet your goal? Does that provide sufficient color for you based on that sort of outcome at the moment? Or I will ask all the questions you probably never thought of to answer. I promise. That's okay. I can keep it as is for the time being for the noting that at the moment, it's it's, you know, a pretty comfortable level, and then I'll email that through to you at the end of the call. That way, you can sit down with Aaron for the level of cover you have, talk about what your goals are. And if you wanna look at increasing that or changing it, you just let me know. We can come back to any kind of re review that for you. Yeah. Excellent. You do have this. You've got the same amount of CBD cover. So, again, I can put that in the email there. Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover? Oh, you're you're fine. No. That So sorry. It's a lot. Yeah. No. Of course. Absolutely. Oh, we are also yeah. That's alright. I can I'll break down the the information in the email for you. You can sort of see it after the call just to kind of be able to mull it over. But just to give you a little bit of information now, so total permanent disability, it basically pays out a lump sum or an income if you're never able to go back to work again due to disability. You do have the same level of cover at the moment, and it means that if you were to claim on that, the amount received could be, essentially, with your super balance included, the same as your life cover. So it does provide pretty sufficient cover. It could pay out the mortgage and then provide a little bit of additional income thereafter. Sorry. I just I think I do apologize. But I'll write that down so you can talk to Aaron as to weigh it up because there is a lot to sort of take into. It is a really good amount of cover. I mean, the other thing is that you do pay for these out of your super. So having more cover means that you get more in the event of a claim. But, realistically, we're trying to we're trying to protect ourselves against the risk of something occurring. It might only be a very small chance that we actually claim on these. And the biggest risk we have insurance is that we pay the premium, and then we get to retirement, and we cancel the cover. We've never claimed on them, but we don't get the premiums back as well. So that's essentially the ultimate risk we have with insurances. So we'd like to just make sure there's a level of cover that you're comfortable with in the event of something occurring, but also making sure it's not too expensive because it does eat it can eat away your sleep, but if the premiums are too expensive. And, ultimately, you work, you know, forty odd years to get to retirement. You wanna enjoy that retirement. What what age do you think you'd like to retire? What's your goal age at the moment? Oh, me too. Yeah. Yep. Yeah. You've worked a really long time. Yeah. No. You've you've worked hard, and there's still a few more years to go. I mean, yours is the same age as me, so we can't technically retire to the age of 60 there as the earliest opportunity currently. But I know by the time we get there, we will have worked a lifetime. And then when you think about at at 60. Yeah. Yeah. Yep. Beautiful. I like that. The best earliest opportunity will access it. Well, if you do, let me know. No worries at all. So I'll keep your insurances as they are for the moment there. You do also have income protection. It essentially does payout an income benefit if you're unable to work in the shorter term. So say you're due you're off work due to being very heavily sick, you've broken a leg, or you can't go to work for that ninety days. Based on your level of income protection sorry. You're right. Yep. That's correct. Yeah. You've got a ninety day waiting period. So that means you would just have to be off work for ninety days before you can make that claim, and the claim tends to be paid, say, thirty days after that. So, realistically, you're waiting a hundred and twenty days before your first payment comes in. With income protection, just so you have a little bit of information, if we base your income, you said you're you made about a 100,000 last year. Yeah. So we look at that, and then you can't that's okay. If you look at that, we realistically, they have you covered with the maximum benefit payable because income protection can pay up to 70 percent of your pre disability earnings. A 100,000 means you would realistically need to be insured for 5,833. But in saying that, if Aaron's the main primary breadwinner, does he bring in enough money to cover your bills? Or if you were off work, would you need to have that income protection coming in to support you guys, or would it just be extra? Yep. Yep. Would you say that 2,600 pretax would be comfortable? Yeah. That's the monthly benefit. No. Sorry. Yeah. No. Sorry. If you need to, yeah. So it also comes down to, you know, if if that amount would be sufficient. So the other thing to think about and I'll put this in the email because it is a lot to take in. The income protection, that monthly benefit you're looking at, that is also a free tax benefit. So the same as you pay income tax on your employer, that would also be subject to income tax. So, realistically, you might get 2,300 or just over $2,000 as a monthly benefit. You do, unfortunately. Yeah. They they take us in every way, shape, or form. We do. Shocking. It could be worthwhile definitely doing it. If you like, what I'll do, I'll find out whether I can get the quote pre done, but I'll put that information into an email for you so you can mow it over, Aaron, and sort of have a look at what you would like to do. And you can come back and let me know as to whether you would like me to update the advice to reflect, because I do wanna provide some new advice and make some changes to your portfolio. So as part of that, I could always increase the income protection in line with your income and show you that as part of the advice document. There's you don't have to take it if you don't want to. You advice that we provide is essentially just advice, but it's showing you what what we can do, how this looks, the advantages, the disadvantages, and the risks involved. And then you get to take that advice away, read it over, and decide whether you wanna take that advice or not. So I'll put all of this in an email. And if you like, as part of the advice, I'll look at increasing the income protection benefits, show you what that looks like for you, and then you get to decide with Aaron whether you're happy to take that or whether you don't you know, what you're happy to do. Does that sound okay? Yes. Beautiful. That ninety day waiting period, do you feel like that's appropriate and comfortable? Would you wanna alter, reduce that, or do you think ninety days before claiming would be okay? To my understanding, they definitely do do less. Generally, we can have a thirty day, six day, or a ninety day waiting period. Yeah. They can even go longer, make the policy cheaper. Having a thirty or sixty day waiting period does make the policy a bit more expensive, but it also means you can claim you're happy with that? Yep. Yep. That's okay. I can add all that information into the email for you as well, break down, you know, what it is so you can kind of look at it after the call. Because I know it is a lot to take in while I'm talking to you, so I understand that. You've got a five year benefit period. That is not a bad benefit period because it means you can be on a claim for up to five years. Most claims are dealt with within the first two years, so it does mean you can be on a claim longer, and it's also keeping the policy fairly cost effective for you. So five years isn't a bad benefit period. Do you feel pretty comfortable keeping it that way? Yep. Beautiful. Excellent. The other types of insurances that you can technically hold that you don't have are trauma. Trauma pays out like a lump sum benefit. Tax free if you're diagnosed with cancer, Parkinson's, you have a heart attack or a stroke. And you can only get, like, trial trauma policies where you can put insurance in place to cover to cover your child if they are diagnosed with major traumatic conditions like cancer or if they pass away, it pays out a lump sum benefit to cover their funerals and things like that. Those other sorts of trauma and child trauma policies, they have to be paid personally. So out of your back pocket, they cannot be held inside so far. Is there any kind of thought on whether you wanted to look at anything additional or you're happy with with what you've got and just kind of wanting to see everything in broken down to make it easier? No. I promise you, I ask all the questions you've never thought of answering. Yep. That's okay. Yep. That's alright. I'll break it all down into an email. It's not a problem at all. We can always come back and revisit that at any time that you're comfortable with, or if you just find yeah. Absolutely. Yeah. Absolutely. Yeah. Definitely. And we can also do things via email. So, you know, if you have a bit time, Paul, you can always email me back, and I can communicate email with you and kinda do it. It's understandable with kids. No. No. I've got three kids myself. I completely understand. Yeah. Oh, no. Yeah. Oh, I've I've been that parent. I've done that before, set my kids to school and just gone, oh, no. We forgot to dress up today. Oh, no. We forgot to go to Christmas. No. You're not. You're busy. Yeah. Yeah. Yeah. No. Completely understandable. Mom life never ends. All good. If you want that document, you can move to the next one for me. This is showing your performance report on how your investors have returned. Yep. This is the performance of internal rate of return, and it should have a whole list of different investment options there for you to see. Yep. Perfect. So with this one here, you'll see it has all the different investment options. It can be a lot to go through. But if you look at the second last column, the heading there is the internal rate of return, and you've got a bunch of percentages below that. Can you see that, Wayne? Yes. It's the second last line across the top. It should say internal rate if we can. Note two. No. No. That's okay. What are you look not sure. What are you looking at? What's the top of the page say? That's okay. Yep. Perfect. Yep. So then under that, you've got the date, and then under that is your name, and then you've got our our financial there, and then you've got a table. On the table? Yep. Yep. So then if you look at the table in the blue box, you've got asset type, then market value. Yep. That's okay. You're fine. It's yep. That's okay. That's all good. Yep. So the second last column says internal rate of return. Yep. Perfect. Now this is sort of showing how all those individual investments have performed. Majority of them have performed very well. So you've got your infrastructure is up 18%, your Australian shares up 14%, If I don't lithium taxes, 36%. If you're just going down that line, you can see those different numbers there. So everything is performing really nicely. But this top one here, the Ben along Australian Equities, that one's not. That one's not doing its job. It's underperforming. And even though we've had lots of ups and downs in the market this year, that one should still be performing well because the rest of the Australian market is performing well. So what I essentially looked at doing and and even though you've had a really good return, your portfolio has increased. You've seen a 6% return. It's great. I do wanna go back and make some adjustments, remove some of the underperforming investments. I can maybe look at the cost factor and try to reduce the investment fees within the funds and try to find some investments that have been performing a little bit better to keep your super working harder. Are you open for me doing that for you? Yes. Beautiful. I definitely wanna remove the underperforming investment. Definitely needs to be going out of there now, so we'll do that, and then we can have a bit of a look at it. One of the things I do sort of try to talk about, and it's okay if you're not sure, but that's been a long Australian equity fund. That's an actively managed fund. So the investment manager within that fund is supposed to be trying to outperform against the market. They don't always do so. I've got a couple of options that I can, you know, focus on with regard to replacement of that. Are you wanting me to maybe look at keeping keeping more of an actively amended fund in your portfolio, or do you want me to focus on the cost side of it reducing risk and maybe reducing the investment cost within the super for you? What would you like? That's okay. Yep. Yeah. That's okay. Well, I can have a look at all the options. I'll look at all the different investment I have out there. I can make a recommendation, show you what that looks like, show you the difference to the outcome as part of the advice, and then you can decide what you're comfortable with. I can focus on lowering the overall risk, try to reduce fees where I can as well, and just provide, you know, look at better performing investments as well. How does that sound? Yep. Perfect. Focused on that. Excellent. The next page, if you I think you can scroll down on this document, but it takes you to a second page of that same report. Yep. And that same column shows your return as a percentage for the last twelve months. So it shows you've made six point eight 0%. So, realistically, when I sort of look at that return, I look at what the average return is for your risk profile. So you're in a balanced growth environment at the moment, which means that 70% of your super is invested in higher risk investments like Australian and international equities and market property, and then also having some gold and silver and metals in there as well. And then the other 30% in lower risk defensive investments are cash, bonds, and fixed interest. Given your age and state, this is a a good place for you to be in, but the expected average return of this kind of environment is around about six to 8%. So the fact that you've made 6.80% after fees, net of fees, is a good return. It's well within where the expectation is of that portfolio, and we just wanna keep building on that for you and try to, you know, make sure those returns keep up and work harder as hard as they possibly can. Does that make sense? Yep. Beautiful. Do you have any questions? No. That's okay. You're fine. The next document, if you keep going for it no. You're fine. Please don't ever say that. It's honestly fine. If you go to the next document, you yeah. This is the Vanguard chart. This is just a guide. It just shows you how markets react and why we invest the way we do. So I kind of like this as more of an educational tool. And this is I mean, this is why I sort of say don't say that you're hopeless because you're not. This is that no one is taught any of this. You know, I had to go to uni. I had to go to university to become an adviser to learn all of this stuff. So, you know, so it's not something that is taught. I actually really do. I really love this sort of thing. And like I said, I've got three kids. I've got my eldest who are 19 and 20. They're getting their first jobs and opening food for an investing and and building for their future. And then my youngest is 10, so he's still at school. But, I mean, these are sort of things that they don't learn in the school system, so it's the sort of things we don't learn until we later in life. And a lot of people never learn any of this information. So part of what I love about my job is that I get to educate people. So you don't have to go to uni and have a $40,000 hack debt to be able to understand how these things work. You know, it's about making sure that we can pass on that knowledge and help you essentially understand how things are working and how markets grow and how risk is not always a bad thing as long as you're at an age where you can withstand certain types of risk, essentially. So yeah. But this is just a lot. This document, I get that. Essentially, it is just showing you the different investments. So remember before when I talked about being 70% in those growth, higher risk investments within your sort of portfolio or your environment? Yep. So those essentially are on the side here. You've got US shares, Australian shares, international shares, and listed property. Those are growth investments, and you can see why they're considered growth investments. They get a really good rate of return. The US shares, as an example, over the last thirty years, has averaged a 10.80% return compounded, which is great. But you can also see that it had some very ups and downs, and that's where markets make a lot of people very nervous. We sort of see when the market is going down, that is definitely illuminated in the world. It's on every TV news page, and on the podcast. Everyone talks about it. And then when the markets are doing well, we don't hear as much. So it's very much a fear mongering world that we're in. But what we sort of wanna make sure is that you're in a risk profile and you're invested in your super in a way that you're getting growth and compounding that and working that forward, but that you're also in a level of risk that you're comfortable with because there is always a downside. And we just wanna make sure when the portfolio is down, when the markets are down, that you're able to stay in that portfolio, wade through that downtime, and then come out the other side before you're gonna access your super. That's essentially what we wanna see and how we see risk and why we kind of do things the way we do, essentially. Okay? Beautiful. The next document along is your certificate of currency, which outlines more about your insurance policy. So I'll add this into the email afterwards for you just so you can kind of see everything, and then you're able to talk to Aaron and kind of break it all down and make it easier. Okay. Excellent. The next one along from that is the OP Financial Services guide. It lines everything about who we are, what we do, and how we do it. It essentially just runs you through everything about us. It's got all my licensing information there because I'm a licensed adviser and registered with there as well for you. Okay? And then we've also got the ongoing service agreement, which is the document attached there. That's essentially outlining the fee structure for being an ongoing client with us. As you said, and our and our clients, we do charge an ongoing service fee. You're both on 1.10% currently, and that's the coupling fee. So our ongoing service fee is only at 1.65%. We've reduced it as your clients, making sure that we're looking after both of you. That fee structure could change down the track, but for now, that's essentially what we're charging for our services. That 1.10% is that's a year, and it's deducted in smaller monthly increments out of your super, and that's essentially allowing us to provide our services, keep looking after your super. And it also includes advice. So that implementation fee that you paid initially to come on board, we will never charge that again for advice around super insurances. That's all included in the ongoing services phase with yeah. And we'll provide advice as often as we have to to help you along, and there's no additional fees for that advice, essentially. Does that make sense? Yes. Beautiful. Do you have any questions about any of those documents, the ongoing service agreement, or anything around that? No. That's okay. That's alright. Look, you are welcome to go back and have a read of those documents there. I do ask that we do get you to sign and return that back to remain as a client, so we can look after things and do the research and provide the updated adviser for you. And if you decide to that's okay. You're fine. That's okay. Did you wanna do a website? Did you is it because we normally just as part of this, you just sign it electronically and it comes back to us. That's okay. No. That's that's alright. If you go to the bottom of the document there, is it giving you an option to sign or does it say click to sign? Or if you go to the bottom page of that document, it should have a signature section. Can you see that at all? Yep. Generally, if you just click on that button, it'll pre populate a signature. Oh, that's very weird. Very weird. If my team that's okay. Did you prefer if we emailed it out to you for you to maybe print, sign, and then scan back to us or post it out? How would be easier? Yeah. We normally send everything kind of electronically signed. And yeah. Because Ode is the the normal way that we have everything sort of electronically signed. But normally, when you press that button, click the satellite, it goes through all the documents. And then when you get to the bottom, there's sign here button, or you can click on the signature button and automatically sign it. Worst case, you'd always just yeah. Interesting. You could always just when Aaron gets home, ask him to give you a hand. Sorry. Right. Yeah. You're right. No. That's honestly fine. If not yeah. Not happening. That's okay. I can also get one of my team to give you a buzz later if you like to kinda give you a little bit of help with the signing process. It's not a problem at all. Or we can email that for you to put in sign and return. More than happy to work in with your comfort level. That's absolutely fine. Okay. Yep. Yep. All good. Yeah. Perfect. If you get stuck, let us know. That's not a problem at all. The last thing I just wanted to sort of touch on is just reevaluating a couple of small things. With your goal of accessing super at, hopefully, the age of 60, how is expenditure within the household at the moment? Do you feel that you would be willing or okay to make additional contributions to suit that it helps your balance grow a little bit faster, or is that not something you guys have the the money for at the moment? Expenses are a bit tight. How do you feel about that? Yes. Yes. So that that's okay. We can always hold off and do that down the track. That's not a problem. That's okay. Beautiful. Excellent. And just with the beneficiary side of things, just confirming that you wanted your beneficiary set up so everything is paid to Aaron in the event that something happens. Is that right? Yep. Beautiful. And have you guys ever done up a will or power of attorney or a state planning documents or seen a solicitor? Yeah. That's okay. Yeah. Yeah. That's okay. Yeah. No. Completely understandable. That's right. Inside of that email, if you like yes. Absolutely. And and guardian, if you're also part of that, just making sure if something happened to the two of you, what happens to the children, how they're looked after, you know, who they go to. All those things are very important to think about as well. But to kinda make it a bit easier on you, as part of that email, I can draft up a bit of an estate planning email as well with a couple of different options on how you can do a will kit as easily as possible for you guys. So you can kind of talk it through and maybe start that conversation. How does that sound? Yep. Beautiful. Excellent. I'll pop all that in a bit of an email, try to break it down for you, and that way you've got something just a bit of a starting point to make it easier. Excellent. The last the last okay. It's what I'm here for if you ever have questions, you're unsure about anything, you need clarification, you let me know. I will always make time to call, or you can ask me by email, and I'll follow-up. Not a problem at all. So I'm here for you. Now for you to use it to your extent. That's alright. The last thing is not attached. Sorry. Yes. No. Well, if did you want us to organize an introduction? Or is she happy is, like, did you wanna sort of give us the information? I can organize someone to call and sort of give them an idea of what financial advice is and how it works. Yeah. Yeah. Absolutely. Yep. Perfect. It can be with any one of the advisers. If you prefer it with me, that's absolutely fine. It's more just the referral side of things, and we do have a referral program. So if your friend decides to take on the advice to come on board as a client, we do send you a $100 gift card as a bit of a thank you. So there's always that option, but I'll put the in that information in the email for you. No. Perfect. That's not a problem. I'll absolutely put that in the email for you as well, and you can just reply back with the details, and then I can organize the instruction call. If you just find out from them when's more comfortable for us to give them a call, that way we can make it at a more appropriate time for them, and then we can touch base if you prefer to maybe kinda bring them on board if you're comfortable with me being the adviser. It's fine if you just don't mind if any adviser in the firm. Our admin team will touch base and and you want to find beautiful. Our admin team will touch base and organize it. Yeah. Beautiful. Fantastic. Well, thank you for that conversation. I really appreciate it. We wanna help as many people as possible, obviously. You know, we all work very, very hard, and retirement isn't something that everyone's prepared for. And it's important that everyone has as much guidance as possible, and that's what we're here for. That's what we wanna do. And one of the things I love about this, a, is the educational value, but the other side of it is we are working in the best interest. So we'll always put your needs above that of our own of our company. So we always put yeah. We work under your best interest in making sure that we put your goals and your needs above that of everything else. That's really important to us here as well. Okay. That's okay. The last thing I just wanted to sort of go through was a quick response just to sort of gauge whether the action change your portfolio or your risk tolerance, essentially. I only have two questions, and it's essentially okay if you're not really sure on how you might react. But if you saw, say, the market took a big dip and we saw your super fall by 20% in the next, say, six to twelve months, How do you think you might feel? Are you probably excited it's a buying opportunity? Wanna put some more money into the market? Are you a bit concerned? You might call us and see what we suggest you do, or are you very nervous and wanting to sell your investment to cash? How do you where do you think you might fit? Yeah. Perfect. Good answer. Absolutely. And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get greater potential returns knowing there's also a downside? Are you comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you happy or comfortable with a lower level of risk? Yep. Yours can be very different. Moderate risk? Yes. Perfect. Excellent. Let's pop you in there. Beautiful. Now you have kinda scored in that sort of growth area side of things. The balanced growth portfolio that you're in is realistically one level down from the growth environment. As I kinda mentioned, that seventy thirty kind of split with investments expected. Our return is about six to 8%, and the likelihood of a negative return is expected one in every six years. So it is relatively low risk. If we kinda think about risk as out of a number between one and five, so one being all sitting in cash, five being all your money in equity, and you're taking the highest level of risk, you're sitting at around about a three to four. So you're very much that middle to low kind of area. Do you feel like you're comfortable staying in that environment? Did you wanna try and take a little bit more risk, or you'd rather stay where you are? That's fine. Yep. Honestly, we could we could be in that growth environment and step it up a little bit and have, like, an eighty twenty split. Realistically, the eighty twenty split is 80% in those growth assets. So the Australian shares, US shares, property, and then some gold and silver, and 20% in those lower risk investments. The average expected return is between seven to 9%, and the likelihood of a negative year is one every five. So, realistically, you could step it up a little bit more. You have that time horizon ahead of you. If you were about six years away from accessing super, I would be telling you to pull your risk down and, you know, I would guide you back. I would never leave you there right till retirement. But it's also gotta be your comfort level. If you're a bit nervous about increasing that risk level a little bit, then you're fine to stay where you are. It's gotta be within your comfort level as well. Most people in our age group are kind of in that growth environment sitting between that 80 to 20 split, but I do have some clients that are in that balanced growth environment or taking less risk in their forties as well, and there's nothing wrong with that. It's more about your comfort level as well as your time horizon. But you do have the time horizon and the risk capacity to go through those ups and downs and be in that growth environment and just take on a little bit more risk trying to get greater potential returns. If you're ever not comfortable, you can pull it back, or you can stay where you are for a bit longer, and we can always decrease that down the track depending on your comfort level. Yes. Yes. Absolutely. Yep. Yeah. Definitely. Let's with the advice, I'll do that as an eighty twenty split for you. We'll go more growth for you, and then I'll make sure we touch base six months after the advice has gone through. That way, we can reassess how the portfolio is working, how it's all working for you, and your comfort level. If you were ever not comfortable, you can tell me. We can call back. And if not, we'll just, every six months, touch base, talk about what's happening, look at the portfolio, and then we can make changes if we need to. Is that okay? That way, we're doing it gradually. We're not taking on too much risk, and we're keeping in touch regularly to see how you feel about it and what's happening with your Uber. Does that sound comfortable? Yep. Beautiful. Excellent. The next slide of it is, after the call, I will just fill up an email. It'll come through sometimes that each of the estate planning and the insurance information there. As part of the advice, I'll reassess the growth portfolio, your super, how it's structured, the investments within, the cost side of things, and I'll also look at this increase in your income protection along with that as well. I just wanted to double check because I'm looking at insurances just to see if there's any changes to your health that I need to maybe take into account. I just got the last free assessment that I have here. No. There's nothing in it. That's okay. We'll go to the insurance application we originally had. Just checking, you're part time are you full time now? What are your work hours like? Mhmm. Mhmm. Okay. Perfect. Yeah. So you have technically two jobs. Are they very different industries? Right. Yep. Mhmm. Yes. Mhmm. Yeah. Absolutely. No. That's okay. What I might need to do I'm just sort of having a look at the the last application. There's really nothing that kind of flicks up, but because you do have those two jobs, I just need to kind of understand a bit more about those roles to be able to assess the increase in income protection and what that looks for you and what kind of contracts might be offered so the advice is nice and accurate. Is it okay if I get one of my admin team just to call and go through a bit of a quick pre assessment with you one day next week just so I can get a full guide on how everything looks for you for the advice? Beautiful. Is there a day that normally fits you best for a time? It should only take about sort of five to ten minutes. Next Thursday? Perfect. And the same time, does that suit you? Generally, about 10:30? Yep. Perfect. I've popped that one in there. So my team member, Samantha, will give you a call. She'll run through a bit of a pre assessment with you just to kinda get a gauge on how everything is, any change circumstances on what your work looks like. And then as part of the the details, I can go back and really assess everything in full and update the advice so you get a really good view of what all that looks like, and then we can talk about whether you're comfortable taking it or not. Okay. I'll add a text message reminder there for you, Allison, as well. So it sends you a message prior. That way, if anything comes up, you're welcome to let us know. We can reschedule. It's not a problem. Okay? Yep. No. It is honestly absolutely fine. We things come up, and we fully understand that. So there is no issues at all. I'll put the text message reminder on this. It'll send you a message around about sort of 839 to give you a reminder, and then you're welcome to let us know if something comes up. Okay? That's okay. Thank you so much for your time. If you get stuck trying to sign a document, let me know. If Aaron can help, absolutely great. If you need it sent another way, please let me know. But thank you so much for your time. I really appreciate it. Thanks. I'll talk to you. That's okay. Thank you. I did a technically, I did in about four years because I did my undergrad, and then I went to uni to finish my degree. But it's normally about a six year degree full time. Yeah. No. It's all good. I'll make sure I look after you, but thank you so much for your time. I hope you have a good day. Thanks, Allison. Talk soon. See you later. 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Allison. This is Dana from Oakview Financial. How are you this this morning? Sorry. I'm very well.\n\nThank you. I had you booked in to go through your annual review today. Is now still a good time there for you? Fantastic. Before we jump into the call, I just need to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Beautiful. And just to do security there with you, we're supposed to confirm your full name, your date of birth, and address I should have on file there. Beautiful. Thank you so much for that.\n\nHow's your morning been so far? Oh, so busy then. Oh, no. No toilet paper and children isn't a good combination. Oh, look.\n\nAll good. Look. I'll try to set up too much of your practice, Sam. I can see that you're clearly very busy today. I don't normally send through some annual review documents for you for you to run through with me.\n\nAre you okay to look at your emails? Or no worries. I'll just send that's okay. You're fine. I'll just send that through to you.\n\nYour email address I have is aldred83@outlook.com. Is that right? Yep. Yep. And .com@theend?\n\nYeah. Oh, I'm so sorry. I got a bit tongue tied there. My apologies. Oh, good.\n\nYep. That's the one. Thank you. When you open that one there, it'll have a button that says, I believe, click the start. Click to start at the very top.\n\nYes. Yes. Perfect. Sorry. They've updated that.\n\nIt used to say click the start, then you go through to the next document. So yeah. So press that button, and then if you go through, it should say the summary of your granulation and insurances. No. No.\n\nNot correct. Yeah. No. It's just the yep. And it'll take you through so you can view the documents and run through them all.\n\nIt doesn't ask you to sign anything until you have read them all through, and you're welcome to take them back and review them prior to signing. I'll never ask you to sign anything you haven't read. Just the first document should say summary of superannuation and insurance is there. Can you see that one? Is that nice and clear in front of you?\n\nOh, sorry. No. No. You're fine. No.\n\nThat's okay. Is it loading? Or mhmm. Yep. Yep.\n\nThat's oh, okay. No. So at yeah. If you're supposed to assign documents, what does that do? It should take you forward so you can see the document.\n\nIt used to have at the very top on the bottom depending on what you're looking at the documents on, whether it be a phone or a computer. It used to have a button that said click and assign, and you could click that button, and it would take you through so you can see the next document or the first document. Yeah. No. That's definitely not the spot we want you to be.\n\nIf you go out, then go back in again. That's okay. I'll just resend the documents through you as well because that might help. Yeah. Normally, when you go in, there's a button at the very top of the screen.\n\nIt says normally, it says click to sign unless they've changed it, but it normally is at the top of the screen or the bottom of the screen. And it it says click to sign or click to start. Yeah. You're right. I've just reset them to you as well.\n\nSo there should be a new link coming because it could've been the link. No? Has it gone to the the junk mail at all? Sometimes I get a direct to junk. If not, I can just run through things for you.\n\nOh. Yep. That's I've had it it happened once or twice before. It's like some of the emails register or receive a fax and others depending on what you're connected to and receiving. Yeah.\n\nOh, perfect. That's okay. And at the top, is there a button that says click to sign or click to start or sign document? Is there any yes. So click on that button there, and it should take you to the next document.\n\nAnd on the top of that next document, it should say summary of superannuation and insurances as of yesterday's date. Is that loading for you at the moment or Oh. If oh, it's like it hasn't loaded correctly because there's definitely like, I'm looking at the email on this side of it. I can see there's definitely writing in the documents. Like, they're not loading correctly.\n\nIt might be just the way it's been being yeah. That's okay. I'm so sorry. Is there a, like, a next like, a button that you can sort of scroll across back and forth throughout the documents at all? It's like it's just taking a lot longer to load to register because it's definitely that's okay.\n\nIf it's easier, I can I'm not sure. If you go back to the laptop and you press that same button, just see if it does the same thing for you. Because it's just like the documents aren't being they're not being loaded correctly or love technology when it wants to work for us. Okay. No.\n\nThat's okay. It's just the way it's sort of being received and downloaded. That's okay. It's just easier if you're able to see them. We get there in the end.\n\nIt's all good. I love technology when it wants to work in our favor. That's all good. The first one there is your summary showing you your updated balance there. So so can I give you a view last year at this time?\n\nSorry? Yep. That's your balance as of yesterday's date there. Correct. So if we look at it last year, your balance is a 144,505 a $144,509.99 there, and you're sitting at a $162,287.50 there as of yesterday's date, which is good.\n\nThat's what we wanna see. Yeah. Yeah. You're right. I can go back and look at that for you as well.\n\nThat is absolutely fine. Two seconds. I'll just go into the stuff file and look at the original advice piece. That was 2024. So back then, we had a record super balance of 116 so 121,319 within Tessa.\n\nThe starting balance in Hub '24 was 116,919 after the implementation date end. So we started with 116,000. We worked up to a 144 last year, and then we're now seeing at a $162,287.50 there, which is good. That's what we wanna see. But we wanna make sure it continues to work harder for you as well.\n\nSo your balance is doing really well. When I sort of look at how things have performed, some people do prefer a job as opposed to a percentage, so I like to give both. When we look at the income plus the growth within the portfolio over the past twelve months, we've essentially made eleven thousand one hundred and forty seven dollars and ten cents as in growth and income within the portfolio. It equates to about a 6.80% return, so it is very on par for where we'd expect your super to be. It is really good that it has returned that.\n\nThis year has been very up and down with the market, and we have seen a lot of volatility there. But from sort of July onwards, we've seen a bit more of a not so much stable, but more stability within the market there. So it has performed really well. However, I do wanna update some advice because there is some changes I would like to make to your super, and I've I've found some areas that we can definitely look to improve on your performance and try to make sure it's working longer term for you. And that's part of what we do is to make sure we update the advice and make changes as we need to so that your future is reflective and working harder towards your goals long term for you as well.\n\nOkay? That's okay. On the bottom there, you've got your insurance notice. So you've got some life and TDD and some income protection there as well. In the event of passing, if you were to say pass away today, your life cover pays out 819,000, and then your super balance is paid on top of that.\n\nAm I right in assuming you probably want all that paid to Aaron to cover bills, expenses, living costs? Yeah. Beautiful. Are you fairly happy with that level of cover? Did you wanna kinda look at reviewing that at all?\n\nThat's okay. Well, we can talk about it. It's absolutely fine. If it's yeah. That's absolutely.\n\nI mean, if you sort of look at the amount that you are covered for, so if we kinda break it down to make it a bit easier because that might make it helpful. If we look at that, so your super plus your life insurance essentially comes to about 981,287. On your main primary residence, I haven't noticed you don't have any debt. Is that correct? Your debt rate on your main primary home?\n\nYou do have a mortgage. Do you know how much you have owing on that? Yep. No. That's okay.\n\nNo. That's okay. So I had there's a debt owing on the investment property of 350. Is that what you have on the investment property, or would that have been the two loans combined? Mhmm.\n\nMhmm. 300 on that one. Beautiful. And, sir, how much did you say was on the main primary residence at the moment? About 400.\n\nExcellent. Beautiful. Save those for you. Lovely. So, realistically, if you think about the level of cover that you have at the moment there, the 981, if you then sort of have that paid out to cover the two mortgages, that would essentially roughly leave about 281,000 for Aaron to, you know, have paid out both of those loans, be completely debt free, collect income from the investment property, and then, you know, take some time off to recover.\n\nDo you feel like that would be fairly okay? Yes. Yes. Yeah. That's okay.\n\nThat you're honestly fine. It's more here's the name. Yeah. That's okay. That's definitely fine.\n\nIf you like, after the call, I can send through a breakdown of your insurance cover. That way, you're able to sort of have a chat to them about it. And then if you decide you wanna review that or reassess it, you're welcome to let me know. How does that sound? Yes.\n\nBeautiful. Income wise, I had you on about 55,000 per annum. Has that increased at all recently, recently, or are you still the same? Yeah. Yeah.\n\nYep. A 100,000? Let's update that for you. Absolutely. So, realistically, I mean, if you looked at the level of cover you have at the moment and I'll break this down in the email for you just to provide clarification so you can kinda break it through and talk about the outcome.\n\nBut if you were to sort of, you know, take the level of cover you have, pay off the main primary residence, that essentially leaves about $581,002.87 roughly. And then dividing that by that money, that certainly gives a little over, you know, five years worth of income replacement on top of that. And then if he wants to sell the investment property, clear that loan, there could be additional funds there to support him in the event of you passing. So we tend to kinda look at it that way and sort of see, does that kind of meet your goal? Does that provide sufficient color for you based on that sort of outcome at the moment?\n\nOr I will ask all the questions you probably never thought of to answer. I promise. That's okay. I can keep it as is for the time being for the noting that at the moment, it's it's, you know, a pretty comfortable level, and then I'll email that through to you at the end of the call. That way, you can sit down with Aaron for the level of cover you have, talk about what your goals are.\n\nAnd if you wanna look at increasing that or changing it, you just let me know. We can come back to any kind of re review that for you. Yeah. Excellent. You do have this.\n\nYou've got the same amount of CBD cover. So, again, I can put that in the email there. Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover? Oh, you're you're fine. No.\n\nThat So sorry. It's a lot. Yeah. No. Of course.\n\nAbsolutely. Oh, we are also yeah. That's alright. I can I'll break down the the information in the email for you. You can sort of see it after the call just to kind of be able to mull it over.\n\nBut just to give you a little bit of information now, so total permanent disability, it basically pays out a lump sum or an income if you're never able to go back to work again due to disability. You do have the same level of cover at the moment, and it means that if you were to claim on that, the amount received could be, essentially, with your super balance included, the same as your life cover. So it does provide pretty sufficient cover. It could pay out the mortgage and then provide a little bit of additional income thereafter. Sorry.\n\nI just I think I do apologize. But I'll write that down so you can talk to Aaron as to weigh it up because there is a lot to sort of take into. It is a really good amount of cover. I mean, the other thing is that you do pay for these out of your super. So having more cover means that you get more in the event of a claim.\n\nBut, realistically, we're trying to we're trying to protect ourselves against the risk of something occurring. It might only be a very small chance that we actually claim on these. And the biggest risk we have insurance is that we pay the premium, and then we get to retirement, and we cancel the cover. We've never claimed on them, but we don't get the premiums back as well. So that's essentially the ultimate risk we have with insurances.\n\nSo we'd like to just make sure there's a level of cover that you're comfortable with in the event of something occurring, but also making sure it's not too expensive because it does eat it can eat away your sleep, but if the premiums are too expensive. And, ultimately, you work, you know, forty odd years to get to retirement. You wanna enjoy that retirement. What what age do you think you'd like to retire? What's your goal age at the moment?\n\nOh, me too. Yeah. Yep. Yeah. You've worked a really long time.\n\nYeah. No. You've you've worked hard, and there's still a few more years to go. I mean, yours is the same age as me, so we can't technically retire to the age of 60 there as the earliest opportunity currently. But I know by the time we get there, we will have worked a lifetime.\n\nAnd then when you think about at at 60. Yeah. Yeah. Yep. Beautiful.\n\nI like that. The best earliest opportunity will access it. Well, if you do, let me know. No worries at all. So I'll keep your insurances as they are for the moment there.\n\nYou do also have income protection. It essentially does payout an income benefit if you're unable to work in the shorter term. So say you're due you're off work due to being very heavily sick, you've broken a leg, or you can't go to work for that ninety days. Based on your level of income protection sorry. You're right.\n\nYep. That's correct. Yeah. You've got a ninety day waiting period. So that means you would just have to be off work for ninety days before you can make that claim, and the claim tends to be paid, say, thirty days after that.\n\nSo, realistically, you're waiting a hundred and twenty days before your first payment comes in. With income protection, just so you have a little bit of information, if we base your income, you said you're you made about a 100,000 last year. Yeah. So we look at that, and then you can't that's okay. If you look at that, we realistically, they have you covered with the maximum benefit payable because income protection can pay up to 70 percent of your pre disability earnings.\n\nA 100,000 means you would realistically need to be insured for 5,833. But in saying that, if Aaron's the main primary breadwinner, does he bring in enough money to cover your bills? Or if you were off work, would you need to have that income protection coming in to support you guys, or would it just be extra? Yep. Yep.\n\nWould you say that 2,600 pretax would be comfortable? Yeah. That's the monthly benefit. No. Sorry.\n\nYeah. No. Sorry. If you need to, yeah. So it also comes down to, you know, if if that amount would be sufficient.\n\nSo the other thing to think about and I'll put this in the email because it is a lot to take in. The income protection, that monthly benefit you're looking at, that is also a free tax benefit. So the same as you pay income tax on your employer, that would also be subject to income tax. So, realistically, you might get 2,300 or just over $2,000 as a monthly benefit. You do, unfortunately.\n\nYeah. They they take us in every way, shape, or form. We do. Shocking. It could be worthwhile definitely doing it.\n\nIf you like, what I'll do, I'll find out whether I can get the quote pre done, but I'll put that information into an email for you so you can mow it over, Aaron, and sort of have a look at what you would like to do. And you can come back and let me know as to whether you would like me to update the advice to reflect, because I do wanna provide some new advice and make some changes to your portfolio. So as part of that, I could always increase the income protection in line with your income and show you that as part of the advice document. There's you don't have to take it if you don't want to. You advice that we provide is essentially just advice, but it's showing you what what we can do, how this looks, the advantages, the disadvantages, and the risks involved.\n\nAnd then you get to take that advice away, read it over, and decide whether you wanna take that advice or not. So I'll put all of this in an email. And if you like, as part of the advice, I'll look at increasing the income protection benefits, show you what that looks like for you, and then you get to decide with Aaron whether you're happy to take that or whether you don't you know, what you're happy to do. Does that sound okay? Yes.\n\nBeautiful. That ninety day waiting period, do you feel like that's appropriate and comfortable? Would you wanna alter, reduce that, or do you think ninety days before claiming would be okay? To my understanding, they definitely do do less. Generally, we can have a thirty day, six day, or a ninety day waiting period.\n\nYeah. They can even go longer, make the policy cheaper. Having a thirty or sixty day waiting period does make the policy a bit more expensive, but it also means you can claim you're happy with that? Yep. Yep.\n\nThat's okay. I can add all that information into the email for you as well, break down, you know, what it is so you can kind of look at it after the call. Because I know it is a lot to take in while I'm talking to you, so I understand that. You've got a five year benefit period. That is not a bad benefit period because it means you can be on a claim for up to five years.\n\nMost claims are dealt with within the first two years, so it does mean you can be on a claim longer, and it's also keeping the policy fairly cost effective for you. So five years isn't a bad benefit period. Do you feel pretty comfortable keeping it that way? Yep. Beautiful.\n\nExcellent. The other types of insurances that you can technically hold that you don't have are trauma. Trauma pays out like a lump sum benefit. Tax free if you're diagnosed with cancer, Parkinson's, you have a heart attack or a stroke. And you can only get, like, trial trauma policies where you can put insurance in place to cover to cover your child if they are diagnosed with major traumatic conditions like cancer or if they pass away, it pays out a lump sum benefit to cover their funerals and things like that.\n\nThose other sorts of trauma and child trauma policies, they have to be paid personally. So out of your back pocket, they cannot be held inside so far. Is there any kind of thought on whether you wanted to look at anything additional or you're happy with with what you've got and just kind of wanting to see everything in broken down to make it easier? No. I promise you, I ask all the questions you've never thought of answering.\n\nYep. That's okay. Yep. That's alright. I'll break it all down into an email.\n\nIt's not a problem at all. We can always come back and revisit that at any time that you're comfortable with, or if you just find yeah. Absolutely. Yeah. Absolutely.\n\nYeah. Definitely. And we can also do things via email. So, you know, if you have a bit time, Paul, you can always email me back, and I can communicate email with you and kinda do it. It's understandable with kids.\n\nNo. No. I've got three kids myself. I completely understand. Yeah.\n\nOh, no. Yeah. Oh, I've I've been that parent. I've done that before, set my kids to school and just gone, oh, no. We forgot to dress up today.\n\nOh, no. We forgot to go to Christmas. No. You're not. You're busy.\n\nYeah. Yeah. Yeah. No. Completely understandable.\n\nMom life never ends. All good. If you want that document, you can move to the next one for me. This is showing your performance report on how your investors have returned. Yep.\n\nThis is the performance of internal rate of return, and it should have a whole list of different investment options there for you to see. Yep. Perfect. So with this one here, you'll see it has all the different investment options. It can be a lot to go through.\n\nBut if you look at the second last column, the heading there is the internal rate of return, and you've got a bunch of percentages below that. Can you see that, Wayne? Yes. It's the second last line across the top. It should say internal rate if we can.\n\nNote two. No. No. That's okay. What are you look not sure.\n\nWhat are you looking at? What's the top of the page say? That's okay. Yep. Perfect.\n\nYep. So then under that, you've got the date, and then under that is your name, and then you've got our our financial there, and then you've got a table. On the table? Yep. Yep.\n\nSo then if you look at the table in the blue box, you've got asset type, then market value. Yep. That's okay. You're fine. It's yep.\n\nThat's okay. That's all good. Yep. So the second last column says internal rate of return. Yep.\n\nPerfect. Now this is sort of showing how all those individual investments have performed. Majority of them have performed very well. So you've got your infrastructure is up 18%, your Australian shares up 14%, If I don't lithium taxes, 36%. If you're just going down that line, you can see those different numbers there.\n\nSo everything is performing really nicely. But this top one here, the Ben along Australian Equities, that one's not. That one's not doing its job. It's underperforming. And even though we've had lots of ups and downs in the market this year, that one should still be performing well because the rest of the Australian market is performing well.\n\nSo what I essentially looked at doing and and even though you've had a really good return, your portfolio has increased. You've seen a 6% return. It's great. I do wanna go back and make some adjustments, remove some of the underperforming investments. I can maybe look at the cost factor and try to reduce the investment fees within the funds and try to find some investments that have been performing a little bit better to keep your super working harder.\n\nAre you open for me doing that for you? Yes. Beautiful. I definitely wanna remove the underperforming investment. Definitely needs to be going out of there now, so we'll do that, and then we can have a bit of a look at it.\n\nOne of the things I do sort of try to talk about, and it's okay if you're not sure, but that's been a long Australian equity fund. That's an actively managed fund. So the investment manager within that fund is supposed to be trying to outperform against the market. They don't always do so. I've got a couple of options that I can, you know, focus on with regard to replacement of that.\n\nAre you wanting me to maybe look at keeping keeping more of an actively amended fund in your portfolio, or do you want me to focus on the cost side of it reducing risk and maybe reducing the investment cost within the super for you? What would you like? That's okay. Yep. Yeah.\n\nThat's okay. Well, I can have a look at all the options. I'll look at all the different investment I have out there. I can make a recommendation, show you what that looks like, show you the difference to the outcome as part of the advice, and then you can decide what you're comfortable with. I can focus on lowering the overall risk, try to reduce fees where I can as well, and just provide, you know, look at better performing investments as well.\n\nHow does that sound? Yep. Perfect. Focused on that. Excellent.\n\nThe next page, if you I think you can scroll down on this document, but it takes you to a second page of that same report. Yep. And that same column shows your return as a percentage for the last twelve months. So it shows you've made six point eight 0%. So, realistically, when I sort of look at that return, I look at what the average return is for your risk profile.\n\nSo you're in a balanced growth environment at the moment, which means that 70% of your super is invested in higher risk investments like Australian and international equities and market property, and then also having some gold and silver and metals in there as well. And then the other 30% in lower risk defensive investments are cash, bonds, and fixed interest. Given your age and state, this is a a good place for you to be in, but the expected average return of this kind of environment is around about six to 8%. So the fact that you've made 6.80% after fees, net of fees, is a good return. It's well within where the expectation is of that portfolio, and we just wanna keep building on that for you and try to, you know, make sure those returns keep up and work harder as hard as they possibly can.\n\nDoes that make sense? Yep. Beautiful. Do you have any questions? No.\n\nThat's okay. You're fine. The next document, if you keep going for it no. You're fine. Please don't ever say that.\n\nIt's honestly fine. If you go to the next document, you yeah. This is the Vanguard chart. This is just a guide. It just shows you how markets react and why we invest the way we do.\n\nSo I kind of like this as more of an educational tool. And this is I mean, this is why I sort of say don't say that you're hopeless because you're not. This is that no one is taught any of this. You know, I had to go to uni. I had to go to university to become an adviser to learn all of this stuff.\n\nSo, you know, so it's not something that is taught. I actually really do. I really love this sort of thing. And like I said, I've got three kids. I've got my eldest who are 19 and 20.\n\nThey're getting their first jobs and opening food for an investing and and building for their future. And then my youngest is 10, so he's still at school. But, I mean, these are sort of things that they don't learn in the school system, so it's the sort of things we don't learn until we later in life. And a lot of people never learn any of this information. So part of what I love about my job is that I get to educate people.\n\nSo you don't have to go to uni and have a $40,000 hack debt to be able to understand how these things work. You know, it's about making sure that we can pass on that knowledge and help you essentially understand how things are working and how markets grow and how risk is not always a bad thing as long as you're at an age where you can withstand certain types of risk, essentially. So yeah. But this is just a lot. This document, I get that.\n\nEssentially, it is just showing you the different investments. So remember before when I talked about being 70% in those growth, higher risk investments within your sort of portfolio or your environment? Yep. So those essentially are on the side here. You've got US shares, Australian shares, international shares, and listed property.\n\nThose are growth investments, and you can see why they're considered growth investments. They get a really good rate of return. The US shares, as an example, over the last thirty years, has averaged a 10.80% return compounded, which is great. But you can also see that it had some very ups and downs, and that's where markets make a lot of people very nervous. We sort of see when the market is going down, that is definitely illuminated in the world.\n\nIt's on every TV news page, and on the podcast. Everyone talks about it. And then when the markets are doing well, we don't hear as much. So it's very much a fear mongering world that we're in. But what we sort of wanna make sure is that you're in a risk profile and you're invested in your super in a way that you're getting growth and compounding that and working that forward, but that you're also in a level of risk that you're comfortable with because there is always a downside.\n\nAnd we just wanna make sure when the portfolio is down, when the markets are down, that you're able to stay in that portfolio, wade through that downtime, and then come out the other side before you're gonna access your super. That's essentially what we wanna see and how we see risk and why we kind of do things the way we do, essentially. Okay? Beautiful. The next document along is your certificate of currency, which outlines more about your insurance policy.\n\nSo I'll add this into the email afterwards for you just so you can kind of see everything, and then you're able to talk to Aaron and kind of break it all down and make it easier. Okay. Excellent. The next one along from that is the OP Financial Services guide. It lines everything about who we are, what we do, and how we do it.\n\nIt essentially just runs you through everything about us. It's got all my licensing information there because I'm a licensed adviser and registered with there as well for you. Okay? And then we've also got the ongoing service agreement, which is the document attached there. That's essentially outlining the fee structure for being an ongoing client with us.\n\nAs you said, and our and our clients, we do charge an ongoing service fee. You're both on 1.10% currently, and that's the coupling fee. So our ongoing service fee is only at 1.65%. We've reduced it as your clients, making sure that we're looking after both of you. That fee structure could change down the track, but for now, that's essentially what we're charging for our services.\n\nThat 1.10% is that's a year, and it's deducted in smaller monthly increments out of your super, and that's essentially allowing us to provide our services, keep looking after your super. And it also includes advice. So that implementation fee that you paid initially to come on board, we will never charge that again for advice around super insurances. That's all included in the ongoing services phase with yeah. And we'll provide advice as often as we have to to help you along, and there's no additional fees for that advice, essentially.\n\nDoes that make sense? Yes. Beautiful. Do you have any questions about any of those documents, the ongoing service agreement, or anything around that? No.\n\nThat's okay. That's alright. Look, you are welcome to go back and have a read of those documents there. I do ask that we do get you to sign and return that back to remain as a client, so we can look after things and do the research and provide the updated adviser for you. And if you decide to that's okay.\n\nYou're fine. That's okay. Did you wanna do a website? Did you is it because we normally just as part of this, you just sign it electronically and it comes back to us. That's okay.\n\nNo. That's that's alright. If you go to the bottom of the document there, is it giving you an option to sign or does it say click to sign? Or if you go to the bottom page of that document, it should have a signature section. Can you see that at all?\n\nYep. Generally, if you just click on that button, it'll pre populate a signature. Oh, that's very weird. Very weird. If my team that's okay.\n\nDid you prefer if we emailed it out to you for you to maybe print, sign, and then scan back to us or post it out? How would be easier? Yeah. We normally send everything kind of electronically signed. And yeah.\n\nBecause Ode is the the normal way that we have everything sort of electronically signed. But normally, when you press that button, click the satellite, it goes through all the documents. And then when you get to the bottom, there's sign here button, or you can click on the signature button and automatically sign it. Worst case, you'd always just yeah. Interesting.\n\nYou could always just when Aaron gets home, ask him to give you a hand. Sorry. Right. Yeah. You're right.\n\nNo. That's honestly fine. If not yeah. Not happening. That's okay.\n\nI can also get one of my team to give you a buzz later if you like to kinda give you a little bit of help with the signing process. It's not a problem at all. Or we can email that for you to put in sign and return. More than happy to work in with your comfort level. That's absolutely fine.\n\nOkay. Yep. Yep. All good. Yeah.\n\nPerfect. If you get stuck, let us know. That's not a problem at all. The last thing I just wanted to sort of touch on is just reevaluating a couple of small things. With your goal of accessing super at, hopefully, the age of 60, how is expenditure within the household at the moment?\n\nDo you feel that you would be willing or okay to make additional contributions to suit that it helps your balance grow a little bit faster, or is that not something you guys have the the money for at the moment? Expenses are a bit tight. How do you feel about that? Yes. Yes.\n\nSo that that's okay. We can always hold off and do that down the track. That's not a problem. That's okay. Beautiful.\n\nExcellent. And just with the beneficiary side of things, just confirming that you wanted your beneficiary set up so everything is paid to Aaron in the event that something happens. Is that right? Yep. Beautiful.\n\nAnd have you guys ever done up a will or power of attorney or a state planning documents or seen a solicitor? Yeah. That's okay. Yeah. Yeah.\n\nThat's okay. Yeah. No. Completely understandable. That's right.\n\nInside of that email, if you like yes. Absolutely. And and guardian, if you're also part of that, just making sure if something happened to the two of you, what happens to the children, how they're looked after, you know, who they go to. All those things are very important to think about as well. But to kinda make it a bit easier on you, as part of that email, I can draft up a bit of an estate planning email as well with a couple of different options on how you can do a will kit as easily as possible for you guys.\n\nSo you can kind of talk it through and maybe start that conversation. How does that sound? Yep. Beautiful. Excellent.\n\nI'll pop all that in a bit of an email, try to break it down for you, and that way you've got something just a bit of a starting point to make it easier. Excellent. The last the last okay. It's what I'm here for if you ever have questions, you're unsure about anything, you need clarification, you let me know. I will always make time to call, or you can ask me by email, and I'll follow-up.\n\nNot a problem at all. So I'm here for you. Now for you to use it to your extent. That's alright. The last thing is not attached.\n\nSorry. Yes. No. Well, if did you want us to organize an introduction? Or is she happy is, like, did you wanna sort of give us the information?\n\nI can organize someone to call and sort of give them an idea of what financial advice is and how it works. Yeah. Yeah. Absolutely. Yep.\n\nPerfect. It can be with any one of the advisers. If you prefer it with me, that's absolutely fine. It's more just the referral side of things, and we do have a referral program. So if your friend decides to take on the advice to come on board as a client, we do send you a $100 gift card as a bit of a thank you.\n\nSo there's always that option, but I'll put the in that information in the email for you. No. Perfect. That's not a problem. I'll absolutely put that in the email for you as well, and you can just reply back with the details, and then I can organize the instruction call.\n\nIf you just find out from them when's more comfortable for us to give them a call, that way we can make it at a more appropriate time for them, and then we can touch base if you prefer to maybe kinda bring them on board if you're comfortable with me being the adviser. It's fine if you just don't mind if any adviser in the firm. Our admin team will touch base and and you want to find beautiful. Our admin team will touch base and organize it. Yeah.\n\nBeautiful. Fantastic. Well, thank you for that conversation. I really appreciate it. We wanna help as many people as possible, obviously.\n\nYou know, we all work very, very hard, and retirement isn't something that everyone's prepared for. And it's important that everyone has as much guidance as possible, and that's what we're here for. That's what we wanna do. And one of the things I love about this, a, is the educational value, but the other side of it is we are working in the best interest. So we'll always put your needs above that of our own of our company.\n\nSo we always put yeah. We work under your best interest in making sure that we put your goals and your needs above that of everything else. That's really important to us here as well. Okay. That's okay.\n\nThe last thing I just wanted to sort of go through was a quick response just to sort of gauge whether the action change your portfolio or your risk tolerance, essentially. I only have two questions, and it's essentially okay if you're not really sure on how you might react. But if you saw, say, the market took a big dip and we saw your super fall by 20% in the next, say, six to twelve months, How do you think you might feel? Are you probably excited it's a buying opportunity? Wanna put some more money into the market?\n\nAre you a bit concerned? You might call us and see what we suggest you do, or are you very nervous and wanting to sell your investment to cash? How do you where do you think you might fit? Yeah. Perfect.\n\nGood answer. Absolutely. And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get greater potential returns knowing there's also a downside? Are you comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you happy or comfortable with a lower level of risk? Yep.\n\nYours can be very different. Moderate risk? Yes. Perfect. Excellent.\n\nLet's pop you in there. Beautiful. Now you have kinda scored in that sort of growth area side of things. The balanced growth portfolio that you're in is realistically one level down from the growth environment. As I kinda mentioned, that seventy thirty kind of split with investments expected.\n\nOur return is about six to 8%, and the likelihood of a negative return is expected one in every six years. So it is relatively low risk. If we kinda think about risk as out of a number between one and five, so one being all sitting in cash, five being all your money in equity, and you're taking the highest level of risk, you're sitting at around about a three to four. So you're very much that middle to low kind of area. Do you feel like you're comfortable staying in that environment?\n\nDid you wanna try and take a little bit more risk, or you'd rather stay where you are? That's fine. Yep. Honestly, we could we could be in that growth environment and step it up a little bit and have, like, an eighty twenty split. Realistically, the eighty twenty split is 80% in those growth assets.\n\nSo the Australian shares, US shares, property, and then some gold and silver, and 20% in those lower risk investments. The average expected return is between seven to 9%, and the likelihood of a negative year is one every five. So, realistically, you could step it up a little bit more. You have that time horizon ahead of you. If you were about six years away from accessing super, I would be telling you to pull your risk down and, you know, I would guide you back.\n\nI would never leave you there right till retirement. But it's also gotta be your comfort level. If you're a bit nervous about increasing that risk level a little bit, then you're fine to stay where you are. It's gotta be within your comfort level as well. Most people in our age group are kind of in that growth environment sitting between that 80 to 20 split, but I do have some clients that are in that balanced growth environment or taking less risk in their forties as well, and there's nothing wrong with that.\n\nIt's more about your comfort level as well as your time horizon. But you do have the time horizon and the risk capacity to go through those ups and downs and be in that growth environment and just take on a little bit more risk trying to get greater potential returns. If you're ever not comfortable, you can pull it back, or you can stay where you are for a bit longer, and we can always decrease that down the track depending on your comfort level. Yes. Yes.\n\nAbsolutely. Yep. Yeah. Definitely. Let's with the advice, I'll do that as an eighty twenty split for you.\n\nWe'll go more growth for you, and then I'll make sure we touch base six months after the advice has gone through. That way, we can reassess how the portfolio is working, how it's all working for you, and your comfort level. If you were ever not comfortable, you can tell me. We can call back. And if not, we'll just, every six months, touch base, talk about what's happening, look at the portfolio, and then we can make changes if we need to.\n\nIs that okay? That way, we're doing it gradually. We're not taking on too much risk, and we're keeping in touch regularly to see how you feel about it and what's happening with your Uber. Does that sound comfortable? Yep.\n\nBeautiful. Excellent. The next slide of it is, after the call, I will just fill up an email. It'll come through sometimes that each of the estate planning and the insurance information there. As part of the advice, I'll reassess the growth portfolio, your super, how it's structured, the investments within, the cost side of things, and I'll also look at this increase in your income protection along with that as well.\n\nI just wanted to double check because I'm looking at insurances just to see if there's any changes to your health that I need to maybe take into account. I just got the last free assessment that I have here. No. There's nothing in it. That's okay.\n\nWe'll go to the insurance application we originally had. Just checking, you're part time are you full time now? What are your work hours like? Mhmm. Mhmm.\n\nOkay. Perfect. Yeah. So you have technically two jobs. Are they very different industries?\n\nRight. Yep. Mhmm. Yes. Mhmm.\n\nYeah. Absolutely. No. That's okay. What I might need to do I'm just sort of having a look at the the last application.\n\nThere's really nothing that kind of flicks up, but because you do have those two jobs, I just need to kind of understand a bit more about those roles to be able to assess the increase in income protection and what that looks for you and what kind of contracts might be offered so the advice is nice and accurate. Is it okay if I get one of my admin team just to call and go through a bit of a quick pre assessment with you one day next week just so I can get a full guide on how everything looks for you for the advice? Beautiful. Is there a day that normally fits you best for a time? It should only take about sort of five to ten minutes.\n\nNext Thursday? Perfect. And the same time, does that suit you? Generally, about 10:30? Yep.\n\nPerfect. I've popped that one in there. So my team member, Samantha, will give you a call. She'll run through a bit of a pre assessment with you just to kinda get a gauge on how everything is, any change circumstances on what your work looks like. And then as part of the the details, I can go back and really assess everything in full and update the advice so you get a really good view of what all that looks like, and then we can talk about whether you're comfortable taking it or not.\n\nOkay. I'll add a text message reminder there for you, Allison, as well. So it sends you a message prior. That way, if anything comes up, you're welcome to let us know. We can reschedule.\n\nIt's not a problem. Okay? Yep. No. It is honestly absolutely fine.\n\nWe things come up, and we fully understand that. So there is no issues at all. I'll put the text message reminder on this. It'll send you a message around about sort of 839 to give you a reminder, and then you're welcome to let us know if something comes up. Okay?\n\nThat's okay. Thank you so much for your time. If you get stuck trying to sign a document, let me know. If Aaron can help, absolutely great. If you need it sent another way, please let me know.\n\nBut thank you so much for your time. I really appreciate it. Thanks. I'll talk to you. That's okay.\n\nThank you. I did a technically, I did in about four years because I did my undergrad, and then I went to uni to finish my degree. But it's normally about a six year degree full time. Yeah. No.\n\nIt's all good. I'll make sure I look after you, but thank you so much for your time. I hope you have a good day. Thanks, Allison. Talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Allison.","start":4.16,"end":4.96,"sentiment":"neutral","sentiment_score":0.11937631666660309},{"text":"This is Dana from Oakview Financial.","start":4.96,"end":6.64,"sentiment":"neutral","sentiment_score":0.1432389592130979},{"text":"How are you this this morning?","start":6.64,"end":8.16,"sentiment":"neutral","sentiment_score":0.20803826302289963},{"text":"Sorry.","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.08487312495708466},{"text":"I'm very well.","start":11.04,"end":11.92,"sentiment":"positive","sentiment_score":0.5458656946818033}],"sentiment":"neutral","sentiment_score":0.22604923198620477,"num_words":18,"start":4.16,"end":11.92},{"sentences":[{"text":"Thank you.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.6699225008487701},{"text":"I had you booked in to go through your annual review today.","start":12.32,"end":14.719999,"sentiment":"neutral","sentiment_score":0.27487238496541977},{"text":"Is now still a good time there for you?","start":14.719999,"end":16.775,"sentiment":"neutral","sentiment_score":0.2294997258318795},{"text":"Fantastic.","start":19.154999,"end":19.654999,"sentiment":"positive","sentiment_score":0.6980729103088379},{"text":"Before we jump into the call, I just need to let you know we do record our calls for quality and training purposes.","start":20.275,"end":24.835,"sentiment":"neutral","sentiment_score":0.1018112301826477}],"sentiment":"neutral","sentiment_score":0.20730941187828145,"num_words":47,"start":11.92,"end":24.835},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":24.835,"end":27.095,"sentiment":"neutral","sentiment_score":0.13024956319067213},{"text":"Beautiful.","start":28.81,"end":29.210001,"sentiment":"positive","sentiment_score":0.4122653603553772},{"text":"And just to do security there with you, we're supposed to confirm your full name, your date of birth, and address I should have on file there.","start":29.210001,"end":35.15,"sentiment":"neutral","sentiment_score":0.13688003023465475},{"text":"Beautiful.","start":45.945,"end":46.425,"sentiment":"positive","sentiment_score":0.3968894481658935},{"text":"Thank you so much for that.","start":46.425,"end":47.545,"sentiment":"positive","sentiment_score":0.5452614525953928}],"sentiment":"neutral","sentiment_score":0.20338023657148535,"num_words":44,"start":24.835,"end":47.545},{"sentences":[{"text":"How's your morning been so far?","start":47.545,"end":49.245,"sentiment":"neutral","sentiment_score":0.2507558763027191},{"text":"Oh, so busy then.","start":51.705,"end":54.925,"sentiment":"neutral","sentiment_score":-0.11801338568329811},{"text":"Oh, no.","start":58.600002,"end":59.420002,"sentiment":"neutral","sentiment_score":-0.06659880839288235},{"text":"No toilet paper and children isn't a good combination.","start":59.96,"end":62.46,"sentiment":"neutral","sentiment_score":-0.08504036400053236},{"text":"Oh, look.","start":65.4,"end":66.380005,"sentiment":"neutral","sentiment_score":0.04246220365166664}],"sentiment":"neutral","sentiment_score":0.009515009982430416,"num_words":23,"start":47.545,"end":66.380005},{"sentences":[{"text":"All good.","start":66.44,"end":66.92,"sentiment":"neutral","sentiment_score":0.13113651797175407},{"text":"Look.","start":66.92,"end":67.08,"sentiment":"neutral","sentiment_score":0.06362088024616241},{"text":"I'll try to set up too much of your practice, Sam.","start":67.08,"end":69.16,"sentiment":"neutral","sentiment_score":0.05123512683944269},{"text":"I can see that you're clearly very busy today.","start":69.16,"end":71.605,"sentiment":"neutral","sentiment_score":-0.0552391509215037},{"text":"I don't normally send through some annual review documents for you for you to run through with me.","start":72.225006,"end":77.125,"sentiment":"neutral","sentiment_score":-0.03276191341380278}],"sentiment":"neutral","sentiment_score":-0.0048143045931327635,"num_words":41,"start":66.44,"end":77.125},{"sentences":[{"text":"Are you okay to look at your emails?","start":77.265,"end":79.445,"sentiment":"neutral","sentiment_score":-0.008937795530073345},{"text":"Or no worries.","start":79.505005,"end":84.189995,"sentiment":"neutral","sentiment_score":-0.0017839980622132618},{"text":"I'll just send that's okay.","start":84.189995,"end":87.149994,"sentiment":"neutral","sentiment_score":-0.017262056190520524},{"text":"You're fine.","start":87.149994,"end":87.97,"sentiment":"neutral","sentiment_score":0.04762737546116114},{"text":"I'll just send that through to you.","start":91.47,"end":92.829994,"sentiment":"neutral","sentiment_score":0.07995546502726418}],"sentiment":"neutral","sentiment_score":0.019671134669333696,"num_words":25,"start":77.265,"end":92.829994},{"sentences":[{"text":"Your email address I have is aldred83@outlook.com.","start":92.829994,"end":97.655,"sentiment":"neutral","sentiment_score":0.03005087615123817},{"text":"Is that right?","start":97.655,"end":98.475,"sentiment":"neutral","sentiment_score":0.03234150136510531},{"text":"Yep.","start":101.495,"end":101.995,"sentiment":"neutral","sentiment_score":0.014585229568183422},{"text":"Yep.","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":0.009130071848630903},{"text":"And .com@theend?","start":103.575005,"end":104.855,"sentiment":"neutral","sentiment_score":-0.001914651715196669}],"sentiment":"neutral","sentiment_score":0.02337618822431458,"num_words":14,"start":92.829994,"end":104.855},{"sentences":[{"text":"Yeah.","start":104.855,"end":105.355,"sentiment":"neutral","sentiment_score":-0.002974191913381219},{"text":"Oh, I'm so sorry.","start":107.095,"end":108.295,"sentiment":"neutral","sentiment_score":-0.1506408080458641},{"text":"I got a bit tongue tied there.","start":108.295,"end":109.495,"sentiment":"neutral","sentiment_score":-0.23064422394548142},{"text":"My apologies.","start":109.495,"end":110.155,"sentiment":"neutral","sentiment_score":-0.32708632946014404},{"text":"Oh, good.","start":112.16,"end":112.82,"sentiment":"neutral","sentiment_score":0.3212188631296158}],"sentiment":"neutral","sentiment_score":-0.1394863702735165,"num_words":16,"start":104.855,"end":112.82},{"sentences":[{"text":"Yep.","start":116.880005,"end":117.200005,"sentiment":"neutral","sentiment_score":0.1755271852016449},{"text":"That's the one.","start":117.200005,"end":117.920006,"sentiment":"neutral","sentiment_score":0.2890298068523407},{"text":"Thank you.","start":117.920006,"end":118.66,"sentiment":"positive","sentiment_score":0.601241409778595},{"text":"When you open that one there, it'll have a button that says, I believe, click the start.","start":119.28,"end":124.26,"sentiment":"neutral","sentiment_score":0.05673801614081159},{"text":"Click to start at the very top.","start":127.345,"end":129.045,"sentiment":"neutral","sentiment_score":0.0304719763142722}],"sentiment":"neutral","sentiment_score":0.1140983177969853,"num_words":30,"start":116.880005,"end":129.045},{"sentences":[{"text":"Yes.","start":139.17,"end":139.40999,"sentiment":"neutral","sentiment_score":0.09498465806245804},{"text":"Yes.","start":139.40999,"end":139.81,"sentiment":"neutral","sentiment_score":0.1319398432970047},{"text":"Perfect.","start":139.81,"end":140.20999,"sentiment":"neutral","sentiment_score":0.3331299424171448},{"text":"Sorry.","start":140.20999,"end":140.45,"sentiment":"neutral","sentiment_score":0.061217889189720154},{"text":"They've updated that.","start":140.45,"end":141.25,"sentiment":"neutral","sentiment_score":0.025769434869289398}],"sentiment":"neutral","sentiment_score":0.09979723393917084,"num_words":7,"start":139.17,"end":141.25},{"sentences":[{"text":"It used to say click the start, then you go through to the next document.","start":141.25,"end":144.68999,"sentiment":"neutral","sentiment_score":0.015686821937561036},{"text":"So yeah.","start":144.68999,"end":145.01,"sentiment":"neutral","sentiment_score":0.03692233748733997},{"text":"So press that button, and then if you go through, it should say the summary of your granulation and insurances.","start":145.01,"end":149.82999,"sentiment":"neutral","sentiment_score":0.04323391579091549},{"text":"No.","start":153.40999,"end":153.65,"sentiment":"negative","sentiment_score":-0.35217219591140747},{"text":"No.","start":153.65,"end":153.89,"sentiment":"negative","sentiment_score":-0.33582043647766113}],"sentiment":"neutral","sentiment_score":0.012457248396598376,"num_words":39,"start":141.25,"end":153.89},{"sentences":[{"text":"Not correct.","start":153.89,"end":155.465,"sentiment":"negative","sentiment_score":-0.3754176199436188},{"text":"Yeah.","start":155.465,"end":155.785,"sentiment":"neutral","sentiment_score":-0.10213520377874374},{"text":"No.","start":155.785,"end":156.02501,"sentiment":"neutral","sentiment_score":-0.07393059879541397},{"text":"It's just the yep.","start":156.02501,"end":158.52501,"sentiment":"neutral","sentiment_score":-0.017500027548521757},{"text":"And it'll take you through so you can view the documents and run through them all.","start":159.38501,"end":162.745,"sentiment":"neutral","sentiment_score":0.11701164580881596}],"sentiment":"neutral","sentiment_score":0.03647021584523221,"num_words":24,"start":153.89,"end":162.745},{"sentences":[{"text":"It doesn't ask you to sign anything until you have read them all through, and you're welcome to take them back and review them prior to signing.","start":162.745,"end":168.825,"sentiment":"neutral","sentiment_score":0.10841416360603438},{"text":"I'll never ask you to sign anything you haven't read.","start":168.825,"end":178.06,"sentiment":"neutral","sentiment_score":0.001902058906853199},{"text":"Just the first document should say summary of superannuation and insurance is there.","start":180.14,"end":183.66,"sentiment":"neutral","sentiment_score":0.03460667970088812},{"text":"Can you see that one?","start":183.66,"end":184.405,"sentiment":"neutral","sentiment_score":0.078762848675251},{"text":"Is that nice and clear in front of you?","start":184.405,"end":186.425,"sentiment":"neutral","sentiment_score":0.08680592684282197}],"sentiment":"neutral","sentiment_score":0.07142433480476029,"num_words":64,"start":162.745,"end":186.425},{"sentences":[{"text":"Oh, sorry.","start":189.365,"end":190.185,"sentiment":"neutral","sentiment_score":-0.06275688856840134},{"text":"No.","start":191.205,"end":191.445,"sentiment":"neutral","sentiment_score":-0.113267183303833},{"text":"No.","start":191.445,"end":191.685,"sentiment":"neutral","sentiment_score":-0.11231623589992525},{"text":"You're fine.","start":191.685,"end":192.505,"sentiment":"neutral","sentiment_score":-0.07233710214495659},{"text":"No.","start":224.67,"end":224.99,"sentiment":"neutral","sentiment_score":-0.11235764622688292}],"sentiment":"neutral","sentiment_score":-0.08687557812247958,"num_words":7,"start":189.365,"end":224.99},{"sentences":[{"text":"That's okay.","start":224.99,"end":225.89,"sentiment":"neutral","sentiment_score":-0.0579087994992733},{"text":"Is it loading?","start":227.55,"end":228.45,"sentiment":"neutral","sentiment_score":-0.03274121694266796},{"text":"Or mhmm.","start":228.51,"end":236.93001,"sentiment":"neutral","sentiment_score":-0.03676446061581373},{"text":"Yep.","start":240.495,"end":240.995,"sentiment":"neutral","sentiment_score":-0.021495213732123375},{"text":"Yep.","start":243.535,"end":244.035,"sentiment":"neutral","sentiment_score":0.0002317701873835176}],"sentiment":"neutral","sentiment_score":-0.03431484606699087,"num_words":9,"start":224.99,"end":244.035},{"sentences":[{"text":"That's oh, okay.","start":253.56999,"end":256.13,"sentiment":"neutral","sentiment_score":-0.057194934537013374},{"text":"No.","start":256.13,"end":256.37,"sentiment":"neutral","sentiment_score":-0.07498931884765625},{"text":"So at yeah.","start":256.37,"end":258.53,"sentiment":"neutral","sentiment_score":0.01752796707053979},{"text":"If you're supposed to assign documents, what does that do?","start":258.53,"end":260.93,"sentiment":"neutral","sentiment_score":0.028470179997384548},{"text":"It should take you forward so you can see the document.","start":260.93,"end":263.01,"sentiment":"neutral","sentiment_score":0.12303165955977007}],"sentiment":"neutral","sentiment_score":0.051573565495865684,"num_words":28,"start":253.56999,"end":263.01},{"sentences":[{"text":"It used to have at the very top on the bottom depending on what you're looking at the documents on, whether it be a phone or a computer.","start":263.01,"end":269.125,"sentiment":"neutral","sentiment_score":0.023442563733884265},{"text":"It used to have a button that said click and assign, and you could click that button, and it would take you through so you can see the next document or the first document.","start":269.125,"end":276.025,"sentiment":"neutral","sentiment_score":0.017926655860398624},{"text":"Yeah.","start":281.91,"end":282.22998,"sentiment":"neutral","sentiment_score":-0.0991482362151146},{"text":"No.","start":282.22998,"end":282.47,"sentiment":"negative","sentiment_score":-0.37966305017471313},{"text":"That's definitely not the spot we want you to be.","start":282.47,"end":285.05,"sentiment":"negative","sentiment_score":-0.4960922300815582}],"sentiment":"neutral","sentiment_score":-0.05640318247842024,"num_words":74,"start":263.01,"end":285.05},{"sentences":[{"text":"If you go out, then go back in again.","start":294.885,"end":297.065,"sentiment":"neutral","sentiment_score":-0.225760324133767},{"text":"That's okay.","start":298.48502,"end":299.305,"sentiment":"neutral","sentiment_score":0.08347847685217857},{"text":"I'll just resend the documents through you as well because that might help.","start":320.235,"end":325.615,"sentiment":"neutral","sentiment_score":0.1267233923650705},{"text":"Yeah.","start":328.395,"end":328.715,"sentiment":"neutral","sentiment_score":-0.049927905201911926},{"text":"Normally, when you go in, there's a button at the very top of the screen.","start":328.715,"end":332.155,"sentiment":"neutral","sentiment_score":-0.017172396245102087}],"sentiment":"neutral","sentiment_score":-0.013124892790801822,"num_words":40,"start":294.885,"end":332.155},{"sentences":[{"text":"It says normally, it says click to sign unless they've changed it, but it normally is at the top of the screen or the bottom of the screen.","start":332.155,"end":337.74,"sentiment":"neutral","sentiment_score":-0.023017907249076024},{"text":"And it it says click to sign or click to start.","start":338.52,"end":340.94,"sentiment":"neutral","sentiment_score":-0.01468487066978758},{"text":"Yeah.","start":352.13498,"end":352.455,"sentiment":"neutral","sentiment_score":-0.022949926555156708},{"text":"You're right.","start":352.455,"end":353.19498,"sentiment":"neutral","sentiment_score":-0.010183153674006464},{"text":"I've just reset them to you as well.","start":355.01498,"end":356.69498,"sentiment":"neutral","sentiment_score":-0.011309186113066971}],"sentiment":"neutral","sentiment_score":-0.01879649406298995,"num_words":50,"start":332.155,"end":356.69498},{"sentences":[{"text":"So there should be a new link coming because it could've been the link.","start":356.69498,"end":359.4,"sentiment":"neutral","sentiment_score":-0.01625168456562928},{"text":"No?","start":401.30002,"end":401.80002,"sentiment":"neutral","sentiment_score":-0.14926406741142273},{"text":"Has it gone to the the junk mail at all?","start":402.22498,"end":404.405,"sentiment":"neutral","sentiment_score":-0.20093369781970977},{"text":"Sometimes I get a direct to junk.","start":404.865,"end":406.645,"sentiment":"neutral","sentiment_score":-0.054995828973395486},{"text":"If not, I can just run through things for you.","start":406.78497,"end":409.205,"sentiment":"neutral","sentiment_score":-0.055470637232065204}],"sentiment":"neutral","sentiment_score":-0.07918575725385121,"num_words":42,"start":356.69498,"end":409.205},{"sentences":[{"text":"Oh.","start":411.34497,"end":411.84497,"sentiment":"neutral","sentiment_score":-0.070020392537117},{"text":"Yep.","start":412.865,"end":413.365,"sentiment":"neutral","sentiment_score":-0.14375489950180054},{"text":"That's I've had it it happened once or twice before.","start":414.94498,"end":417.51,"sentiment":"neutral","sentiment_score":-0.15277042537927626},{"text":"It's like some of the emails register or receive a fax and others depending on what you're connected to and receiving.","start":417.51,"end":425.05002,"sentiment":"neutral","sentiment_score":-0.08406949504500344},{"text":"Yeah.","start":425.51,"end":426.01,"sentiment":"neutral","sentiment_score":0.05927694588899613}],"sentiment":"neutral","sentiment_score":-0.10140182340846342,"num_words":34,"start":411.34497,"end":426.01},{"sentences":[{"text":"Oh, perfect.","start":426.55002,"end":427.365,"sentiment":"positive","sentiment_score":0.33363544940948486},{"text":"That's okay.","start":429.44498,"end":430.26498,"sentiment":"neutral","sentiment_score":0.11458299681544304},{"text":"And at the top, is there a button that says click to sign or click to start or sign document?","start":430.485,"end":435.54498,"sentiment":"neutral","sentiment_score":0.0021359398728236557},{"text":"Is there any yes.","start":441.125,"end":444.03,"sentiment":"neutral","sentiment_score":-0.012492891866713762},{"text":"So click on that button there, and it should take you to the next document.","start":444.03,"end":449.87,"sentiment":"neutral","sentiment_score":0.02682752422988415}],"sentiment":"neutral","sentiment_score":0.030037139206691536,"num_words":43,"start":426.55002,"end":449.87},{"sentences":[{"text":"And on the top of that next document, it should say summary of superannuation and insurances as of yesterday's date.","start":449.87,"end":456.775,"sentiment":"neutral","sentiment_score":0.004103170987218618},{"text":"Is that loading for you at the moment or Oh.","start":474.86,"end":482.295,"sentiment":"neutral","sentiment_score":-0.028250032011419533},{"text":"If oh, it's like it hasn't loaded correctly because there's definitely like, I'm looking at the email on this side of it.","start":488.77502,"end":494.61502,"sentiment":"negative","sentiment_score":-0.33853045444596896},{"text":"I can see there's definitely writing in the documents.","start":494.61502,"end":496.61502,"sentiment":"negative","sentiment_score":-0.3679559926191966},{"text":"Like, they're not loading correctly.","start":496.61502,"end":497.99503,"sentiment":"negative","sentiment_score":-0.4060165762901306}],"sentiment":"neutral","sentiment_score":-0.1968150562606752,"num_words":66,"start":449.87,"end":497.99503},{"sentences":[{"text":"It might be just the way it's been being yeah.","start":499.47,"end":504.03,"sentiment":"neutral","sentiment_score":-0.05470285210758448},{"text":"That's okay.","start":504.03,"end":504.59,"sentiment":"neutral","sentiment_score":0.00540998624637723},{"text":"I'm so sorry.","start":504.59,"end":505.56998,"sentiment":"neutral","sentiment_score":-0.14493980507055917},{"text":"Is there a, like, a next like, a button that you can sort of scroll across back and forth throughout the documents at all?","start":522.205,"end":529.03,"sentiment":"neutral","sentiment_score":-0.03942481839718918},{"text":"It's like it's just taking a lot longer to load to register because it's definitely that's okay.","start":537.875,"end":543.095,"sentiment":"neutral","sentiment_score":-0.16519214147154024}],"sentiment":"neutral","sentiment_score":-0.08438375018470522,"num_words":56,"start":499.47,"end":543.095},{"sentences":[{"text":"If it's easier, I can I'm not sure.","start":543.795,"end":548.435,"sentiment":"neutral","sentiment_score":-0.1526928460225463},{"text":"If you go back to the laptop and you press that same button, just see if it does the same thing for you.","start":548.435,"end":553.65497,"sentiment":"neutral","sentiment_score":-0.02155247273976388},{"text":"Because it's just like the documents aren't being they're not being loaded correctly or love technology when it wants to work for us.","start":555.12,"end":561.62,"sentiment":"neutral","sentiment_score":0.0017124527822370108},{"text":"Okay.","start":564.88,"end":565.38,"sentiment":"neutral","sentiment_score":-0.052906230092048645},{"text":"No.","start":566.0,"end":566.24,"sentiment":"neutral","sentiment_score":-0.0859115719795227}],"sentiment":"neutral","sentiment_score":-0.03244073266562607,"num_words":56,"start":543.795,"end":566.24},{"sentences":[{"text":"That's okay.","start":566.24,"end":567.12,"sentiment":"neutral","sentiment_score":0.004729031585156918},{"text":"It's just the way it's sort of being received and downloaded.","start":567.12,"end":570.84503,"sentiment":"neutral","sentiment_score":0.0622491023757241},{"text":"That's okay.","start":570.84503,"end":571.565,"sentiment":"neutral","sentiment_score":0.27410925924777985},{"text":"It's just easier if you're able to see them.","start":571.565,"end":573.825,"sentiment":"neutral","sentiment_score":0.2561708986759186},{"text":"We get there in the end.","start":573.885,"end":575.085,"sentiment":"neutral","sentiment_score":0.1253530333439509}],"sentiment":"neutral","sentiment_score":0.14333576653152705,"num_words":30,"start":566.24,"end":575.085},{"sentences":[{"text":"It's all good.","start":575.085,"end":575.985,"sentiment":"positive","sentiment_score":0.7021583120028178},{"text":"I love technology when it wants to work in our favor.","start":577.085,"end":579.66504,"sentiment":"positive","sentiment_score":0.6639229384335604},{"text":"That's all good.","start":581.74005,"end":582.80005,"sentiment":"positive","sentiment_score":0.6233426332473755},{"text":"The first one there is your summary showing you your updated balance there.","start":583.02,"end":586.46,"sentiment":"neutral","sentiment_score":0.052482933092575804},{"text":"So so can I give you a view last year at this time?","start":586.46,"end":589.84,"sentiment":"neutral","sentiment_score":0.017117356594938498}],"sentiment":"neutral","sentiment_score":0.28335950987110303,"num_words":43,"start":575.085,"end":589.84},{"sentences":[{"text":"Sorry?","start":590.46,"end":590.96,"sentiment":"neutral","sentiment_score":-0.00684119900688529},{"text":"Yep.","start":592.7,"end":593.2,"sentiment":"neutral","sentiment_score":0.016470685601234436},{"text":"That's your balance as of yesterday's date there.","start":595.76495,"end":598.08496,"sentiment":"neutral","sentiment_score":0.035979697946459055},{"text":"Correct.","start":598.08496,"end":598.58496,"sentiment":"neutral","sentiment_score":0.08341918885707855},{"text":"So if we look at it last year, your balance is a 144,505 a $144,509.99 there, and you're sitting at a $162,287.50 there as of yesterday's date, which is good.","start":598.64496,"end":615.43,"sentiment":"neutral","sentiment_score":0.060004690972467266}],"sentiment":"neutral","sentiment_score":0.05319578019992971,"num_words":41,"start":590.46,"end":615.43},{"sentences":[{"text":"That's what we wanna see.","start":615.43,"end":616.73,"sentiment":"neutral","sentiment_score":0.12226788848638534},{"text":"Yeah.","start":617.27,"end":617.77,"sentiment":"neutral","sentiment_score":0.16548576951026917},{"text":"Yeah.","start":619.43,"end":619.93,"sentiment":"neutral","sentiment_score":0.03003375045955181},{"text":"You're right.","start":622.415,"end":622.975,"sentiment":"neutral","sentiment_score":0.09251970052719116},{"text":"I can go back and look at that for you as well.","start":622.975,"end":625.455,"sentiment":"neutral","sentiment_score":0.10722489344576995}],"sentiment":"neutral","sentiment_score":0.10850462308596998,"num_words":21,"start":615.43,"end":625.455},{"sentences":[{"text":"That is absolutely fine.","start":625.455,"end":627.075,"sentiment":"positive","sentiment_score":0.3565559573471546},{"text":"Two seconds.","start":628.175,"end":628.895,"sentiment":"neutral","sentiment_score":0.08041538670659065},{"text":"I'll just go into the stuff file and look at the original advice piece.","start":628.895,"end":632.735,"sentiment":"neutral","sentiment_score":0.05282701472086566},{"text":"That was 2024.","start":632.735,"end":634.61,"sentiment":"neutral","sentiment_score":0.039466943591833115},{"text":"So back then, we had a record super balance of 116 so 121,319 within Tessa.","start":642.91003,"end":652.815,"sentiment":"neutral","sentiment_score":0.044809141010046}],"sentiment":"neutral","sentiment_score":0.08203080933737128,"num_words":38,"start":625.455,"end":652.815},{"sentences":[{"text":"The starting balance in Hub '24 was 116,919 after the implementation date end.","start":653.035,"end":659.27496,"sentiment":"neutral","sentiment_score":0.05156456593137521},{"text":"So we started with 116,000.","start":659.27496,"end":661.84,"sentiment":"neutral","sentiment_score":0.10202633589506149},{"text":"We worked up to a 144 last year, and then we're now seeing at a $162,287.50 there, which is good.","start":661.84,"end":669.52,"sentiment":"neutral","sentiment_score":0.082202816195786},{"text":"That's what we wanna see.","start":669.52,"end":670.9,"sentiment":"neutral","sentiment_score":0.17636822164058685},{"text":"But we wanna make sure it continues to work harder for you as well.","start":671.2,"end":675.26495,"sentiment":"neutral","sentiment_score":0.07743575956140246}],"sentiment":"neutral","sentiment_score":0.08404331758879778,"num_words":57,"start":653.035,"end":675.26495},{"sentences":[{"text":"So your balance is doing really well.","start":676.20496,"end":678.285,"sentiment":"neutral","sentiment_score":0.28227377363613676},{"text":"When I sort of look at how things have performed, some people do prefer a job as opposed to a percentage, so I like to give both.","start":678.285,"end":686.785,"sentiment":"neutral","sentiment_score":0.1305345481744519},{"text":"When we look at the income plus the growth within the portfolio over the past twelve months, we've essentially made eleven thousand one hundred and forty seven dollars and ten cents as in growth and income within the portfolio.","start":687.17,"end":698.14996,"sentiment":"neutral","sentiment_score":0.16430489413249186},{"text":"It equates to about a 6.80% return, so it is very on par for where we'd expect your super to be.","start":699.00995,"end":705.525,"sentiment":"positive","sentiment_score":0.3866970751966749},{"text":"It is really good that it has returned that.","start":705.525,"end":707.765,"sentiment":"positive","sentiment_score":0.5801906088987986}],"sentiment":"neutral","sentiment_score":0.24515139948106507,"num_words":103,"start":676.20496,"end":707.765},{"sentences":[{"text":"This year has been very up and down with the market, and we have seen a lot of volatility there.","start":707.765,"end":712.505,"sentiment":"neutral","sentiment_score":-0.24044763147830964},{"text":"But from sort of July onwards, we've seen a bit more of a not so much stable, but more stability within the market there.","start":712.805,"end":719.56,"sentiment":"neutral","sentiment_score":-0.12900886684656143},{"text":"So it has performed really well.","start":719.56,"end":722.13995,"sentiment":"positive","sentiment_score":0.3721627965569496},{"text":"However, I do wanna update some advice because there is some changes I would like to make to your super, and I've I've found some areas that we can definitely look to improve on your performance and try to make sure it's working longer term for you.","start":722.6,"end":734.665,"sentiment":"positive","sentiment_score":0.3530313401146138},{"text":"And that's part of what we do is to make sure we update the advice and make changes as we need to so that your future is reflective and working harder towards your goals long term for you as well.","start":734.665,"end":744.505,"sentiment":"neutral","sentiment_score":0.2308074774220586}],"sentiment":"neutral","sentiment_score":0.14709914910749797,"num_words":137,"start":707.765,"end":744.505},{"sentences":[{"text":"Okay?","start":744.505,"end":745.005,"sentiment":"neutral","sentiment_score":0.18502777814865112},{"text":"That's okay.","start":746.47,"end":747.29,"sentiment":"neutral","sentiment_score":0.3035103678703308},{"text":"On the bottom there, you've got your insurance notice.","start":747.91,"end":750.55,"sentiment":"neutral","sentiment_score":0.07191449569331275},{"text":"So you've got some life and TDD and some income protection there as well.","start":750.55,"end":755.45,"sentiment":"neutral","sentiment_score":0.0985179107104029},{"text":"In the event of passing, if you were to say pass away today, your life cover pays out 819,000, and then your super balance is paid on top of that.","start":755.75,"end":764.85504,"sentiment":"neutral","sentiment_score":0.05330624027798573}],"sentiment":"neutral","sentiment_score":0.07888780238239892,"num_words":56,"start":744.505,"end":764.85504},{"sentences":[{"text":"Am I right in assuming you probably want all that paid to Aaron to cover bills, expenses, living costs?","start":765.715,"end":771.815,"sentiment":"neutral","sentiment_score":0.04162741785770968},{"text":"Yeah.","start":773.715,"end":773.97,"sentiment":"neutral","sentiment_score":0.14871594309806824},{"text":"Beautiful.","start":774.29,"end":774.79,"sentiment":"positive","sentiment_score":0.4028100371360779},{"text":"Are you fairly happy with that level of cover?","start":775.08997,"end":777.17,"sentiment":"neutral","sentiment_score":0.29868198268943363},{"text":"Did you wanna kinda look at reviewing that at all?","start":777.17,"end":779.58997,"sentiment":"neutral","sentiment_score":0.051057382673025134}],"sentiment":"neutral","sentiment_score":0.1135289647616446,"num_words":40,"start":765.715,"end":779.58997},{"sentences":[{"text":"That's okay.","start":785.32996,"end":785.97,"sentiment":"neutral","sentiment_score":0.015777842374518514},{"text":"Well, we can talk about it.","start":785.97,"end":787.32996,"sentiment":"neutral","sentiment_score":0.037842280231416225},{"text":"It's absolutely fine.","start":787.32996,"end":788.87,"sentiment":"neutral","sentiment_score":0.1345314010977745},{"text":"If it's yeah.","start":789.225,"end":790.505,"sentiment":"neutral","sentiment_score":0.015509623723725477},{"text":"That's absolutely.","start":790.505,"end":795.08496,"sentiment":"neutral","sentiment_score":0.02280927076935768}],"sentiment":"neutral","sentiment_score":0.047146936383796856,"num_words":16,"start":785.32996,"end":795.08496},{"sentences":[{"text":"I mean, if you sort of look at the amount that you are covered for, so if we kinda break it down to make it a bit easier because that might make it helpful.","start":795.305,"end":802.93,"sentiment":"neutral","sentiment_score":0.04108512905590674},{"text":"If we look at that, so your super plus your life insurance essentially comes to about 981,287.","start":803.31,"end":812.21,"sentiment":"neutral","sentiment_score":0.07474181494292091},{"text":"On your main primary residence, I haven't noticed you don't have any debt.","start":813.07,"end":817.065,"sentiment":"neutral","sentiment_score":0.04638630853822598},{"text":"Is that correct?","start":817.065,"end":817.865,"sentiment":"neutral","sentiment_score":0.043818678706884384},{"text":"Your debt rate on your main primary home?","start":817.865,"end":820.205,"sentiment":"neutral","sentiment_score":0.016873077489435673}],"sentiment":"neutral","sentiment_score":0.047159572119514145,"num_words":75,"start":795.305,"end":820.205},{"sentences":[{"text":"You do have a mortgage.","start":824.985,"end":825.945,"sentiment":"neutral","sentiment_score":0.04690810777246952},{"text":"Do you know how much you have owing on that?","start":825.945,"end":827.805,"sentiment":"neutral","sentiment_score":0.010901405941694975},{"text":"Yep.","start":839.96,"end":840.28,"sentiment":"neutral","sentiment_score":0.006994645111262798},{"text":"No.","start":840.28,"end":840.44,"sentiment":"neutral","sentiment_score":-0.046278707683086395},{"text":"That's okay.","start":840.44,"end":845.165,"sentiment":"neutral","sentiment_score":-0.014228802174329758}],"sentiment":"neutral","sentiment_score":0.01451647007151654,"num_words":19,"start":824.985,"end":845.165},{"sentences":[{"text":"No.","start":846.34503,"end":846.585,"sentiment":"neutral","sentiment_score":-0.04460759460926056},{"text":"That's okay.","start":846.585,"end":847.405,"sentiment":"neutral","sentiment_score":-0.01340633537620306},{"text":"So I had there's a debt owing on the investment property of 350.","start":850.665,"end":855.79004,"sentiment":"neutral","sentiment_score":-0.023020757004045524},{"text":"Is that what you have on the investment property, or would that have been the two loans combined?","start":855.79004,"end":859.65,"sentiment":"neutral","sentiment_score":-0.017537597929024033},{"text":"Mhmm.","start":867.47003,"end":867.855,"sentiment":"neutral","sentiment_score":-0.018948644399642944}],"sentiment":"neutral","sentiment_score":-0.02015187181532383,"num_words":35,"start":846.34503,"end":867.855},{"sentences":[{"text":"Mhmm.","start":877.45496,"end":877.535,"sentiment":"neutral","sentiment_score":0.006755598820745945},{"text":"300 on that one.","start":877.535,"end":878.57495,"sentiment":"neutral","sentiment_score":0.02381713828071952},{"text":"Beautiful.","start":878.57495,"end":878.89496,"sentiment":"neutral","sentiment_score":0.30472907423973083},{"text":"And, sir, how much did you say was on the main primary residence at the moment?","start":878.89496,"end":882.8,"sentiment":"neutral","sentiment_score":0.02769973617978394},{"text":"About 400.","start":884.06,"end":885.02,"sentiment":"neutral","sentiment_score":0.03482601046562195}],"sentiment":"neutral","sentiment_score":0.03831670941629758,"num_words":24,"start":877.45496,"end":885.02},{"sentences":[{"text":"Excellent.","start":885.02,"end":885.52,"sentiment":"positive","sentiment_score":0.37031787633895874},{"text":"Beautiful.","start":885.58,"end":886.08,"sentiment":"positive","sentiment_score":0.6580908298492432},{"text":"Save those for you.","start":886.46,"end":887.84,"sentiment":"positive","sentiment_score":0.5106414407491684},{"text":"Lovely.","start":887.98,"end":888.48,"sentiment":"positive","sentiment_score":0.430747389793396},{"text":"So, realistically, if you think about the level of cover that you have at the moment there, the 981, if you then sort of have that paid out to cover the two mortgages, that would essentially roughly leave about 281,000 for Aaron to, you know, have paid out both of those loans, be completely debt free, collect income from the investment property, and then, you know, take some time off to recover.","start":888.86,"end":915.13,"sentiment":"neutral","sentiment_score":0.035770124678189553}],"sentiment":"neutral","sentiment_score":0.07692621311149266,"num_words":79,"start":885.02,"end":915.13},{"sentences":[{"text":"Do you feel like that would be fairly okay?","start":915.13,"end":917.15,"sentiment":"neutral","sentiment_score":-0.0018597009281317394},{"text":"Yes.","start":926.81,"end":927.31,"sentiment":"neutral","sentiment_score":-0.038742199540138245},{"text":"Yes.","start":935.795,"end":936.295,"sentiment":"neutral","sentiment_score":-0.0018975622951984408},{"text":"Yeah.","start":943.49,"end":943.99,"sentiment":"neutral","sentiment_score":-0.01480338629335165},{"text":"That's okay.","start":953.26495,"end":954.225,"sentiment":"neutral","sentiment_score":0.01755988784134388}],"sentiment":"neutral","sentiment_score":-0.002647191485656159,"num_words":14,"start":915.13,"end":954.225},{"sentences":[{"text":"That you're honestly fine.","start":954.225,"end":955.26495,"sentiment":"neutral","sentiment_score":0.014389176096301526},{"text":"It's more here's the name.","start":955.26495,"end":959.365,"sentiment":"neutral","sentiment_score":-0.0055794941261410715},{"text":"Yeah.","start":959.425,"end":959.925,"sentiment":"neutral","sentiment_score":0.000013872981071472168},{"text":"That's okay.","start":962.46497,"end":963.345,"sentiment":"neutral","sentiment_score":0.11913152784109116},{"text":"That's definitely fine.","start":963.345,"end":964.14496,"sentiment":"neutral","sentiment_score":0.20759370426336923}],"sentiment":"neutral","sentiment_score":0.05938115168052415,"num_words":15,"start":954.225,"end":964.14496},{"sentences":[{"text":"If you like, after the call, I can send through a breakdown of your insurance cover.","start":964.14496,"end":967.56,"sentiment":"neutral","sentiment_score":0.030124252632958815},{"text":"That way, you're able to sort of have a chat to them about it.","start":967.56,"end":970.22003,"sentiment":"neutral","sentiment_score":0.0975506893758263},{"text":"And then if you decide you wanna review that or reassess it, you're welcome to let me know.","start":970.36,"end":974.60004,"sentiment":"neutral","sentiment_score":0.21778235874242252},{"text":"How does that sound?","start":974.60004,"end":975.58,"sentiment":"neutral","sentiment_score":0.20766231790184975},{"text":"Yes.","start":977.24,"end":977.64,"sentiment":"positive","sentiment_score":0.5984069108963013}],"sentiment":"neutral","sentiment_score":0.13578936477841916,"num_words":53,"start":964.14496,"end":977.64},{"sentences":[{"text":"Beautiful.","start":977.64,"end":978.14,"sentiment":"positive","sentiment_score":0.6834781169891357},{"text":"Income wise, I had you on about 55,000 per annum.","start":978.44,"end":981.48,"sentiment":"neutral","sentiment_score":0.09929597117006779},{"text":"Has that increased at all recently, recently, or are you still the same?","start":981.48,"end":992.06165,"sentiment":"neutral","sentiment_score":0.020786394723332845},{"text":"Yeah.","start":993.21497,"end":993.71497,"sentiment":"neutral","sentiment_score":0.032606832683086395},{"text":"Yeah.","start":994.415,"end":994.915,"sentiment":"neutral","sentiment_score":0.03630601614713669}],"sentiment":"neutral","sentiment_score":0.07752206957397553,"num_words":26,"start":977.64,"end":994.915},{"sentences":[{"text":"Yep.","start":996.85,"end":997.35,"sentiment":"neutral","sentiment_score":0.12771075963974},{"text":"A 100,000?","start":1008.245,"end":1009.205,"sentiment":"neutral","sentiment_score":0.0415723230689764},{"text":"Let's update that for you.","start":1009.205,"end":1010.565,"sentiment":"neutral","sentiment_score":0.08163603246212006},{"text":"Absolutely.","start":1010.565,"end":1011.065,"sentiment":"neutral","sentiment_score":0.23087002336978912},{"text":"So, realistically, I mean, if you looked at the level of cover you have at the moment and I'll break this down in the email for you just to provide clarification so you can kinda break it through and talk about the outcome.","start":1011.205,"end":1020.825,"sentiment":"neutral","sentiment_score":0.06034589342253153}],"sentiment":"neutral","sentiment_score":0.06624575016590264,"num_words":52,"start":996.85,"end":1020.825},{"sentences":[{"text":"But if you were to sort of, you know, take the level of cover you have, pay off the main primary residence, that essentially leaves about $581,002.87 roughly.","start":1021.8,"end":1032.86,"sentiment":"neutral","sentiment_score":0.031946282368153334},{"text":"And then dividing that by that money, that certainly gives a little over, you know, five years worth of income replacement on top of that.","start":1033.285,"end":1039.925,"sentiment":"neutral","sentiment_score":0.11140622362494469},{"text":"And then if he wants to sell the investment property, clear that loan, there could be additional funds there to support him in the event of you passing.","start":1039.925,"end":1046.585,"sentiment":"neutral","sentiment_score":0.0811864754983357},{"text":"So we tend to kinda look at it that way and sort of see, does that kind of meet your goal?","start":1046.645,"end":1051.55,"sentiment":"neutral","sentiment_score":0.056836918528590887},{"text":"Does that provide sufficient color for you based on that sort of outcome at the moment?","start":1051.55,"end":1056.8301,"sentiment":"neutral","sentiment_score":0.022630142280831933}],"sentiment":"neutral","sentiment_score":0.06363161335999178,"num_words":118,"start":1021.8,"end":1056.8301},{"sentences":[{"text":"Or I will ask all the questions you probably never thought of to answer.","start":1056.8301,"end":1065.975,"sentiment":"neutral","sentiment_score":-0.1259945591113397},{"text":"I promise.","start":1066.035,"end":1066.775,"sentiment":"neutral","sentiment_score":-0.06767598167061806},{"text":"That's okay.","start":1067.875,"end":1068.675,"sentiment":"neutral","sentiment_score":0.16761519014835358},{"text":"I can keep it as is for the time being for the noting that at the moment, it's it's, you know, a pretty comfortable level, and then I'll email that through to you at the end of the call.","start":1068.675,"end":1077.28,"sentiment":"neutral","sentiment_score":0.18230334917704263},{"text":"That way, you can sit down with Aaron for the level of cover you have, talk about what your goals are.","start":1077.28,"end":1082.56,"sentiment":"neutral","sentiment_score":0.16258279908271062}],"sentiment":"neutral","sentiment_score":0.11487210241074745,"num_words":78,"start":1056.8301,"end":1082.56},{"sentences":[{"text":"And if you wanna look at increasing that or changing it, you just let me know.","start":1082.56,"end":1085.84,"sentiment":"neutral","sentiment_score":0.09535405086353421},{"text":"We can come back to any kind of re review that for you.","start":1085.84,"end":1089.06,"sentiment":"neutral","sentiment_score":0.08823003046787702},{"text":"Yeah.","start":1089.28,"end":1089.78,"sentiment":"positive","sentiment_score":0.536218523979187},{"text":"Excellent.","start":1090.3201,"end":1090.8201,"sentiment":"positive","sentiment_score":0.7498091459274292},{"text":"You do have this.","start":1091.4401,"end":1092.315,"sentiment":"neutral","sentiment_score":0.2594916969537735}],"sentiment":"neutral","sentiment_score":0.14276141907487597,"num_words":35,"start":1082.56,"end":1092.315},{"sentences":[{"text":"You've got the same amount of CBD cover.","start":1092.475,"end":1095.0549,"sentiment":"neutral","sentiment_score":0.16451247408986092},{"text":"So, again, I can put that in the email there.","start":1095.5149,"end":1097.835,"sentiment":"neutral","sentiment_score":0.13311140909790992},{"text":"Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover?","start":1097.835,"end":1106.095,"sentiment":"neutral","sentiment_score":0.06331896519771328},{"text":"Oh, you're you're fine.","start":1118.21,"end":1120.5499,"sentiment":"neutral","sentiment_score":-0.05444663017988205},{"text":"No.","start":1121.09,"end":1121.25,"sentiment":"neutral","sentiment_score":-0.13201217353343964}],"sentiment":"neutral","sentiment_score":0.08014054499566554,"num_words":50,"start":1092.475,"end":1121.25},{"sentences":[{"text":"That So sorry.","start":1121.25,"end":1131.1849,"sentiment":"neutral","sentiment_score":-0.11067916701237361},{"text":"It's a lot.","start":1134.84,"end":1135.74,"sentiment":"neutral","sentiment_score":-0.14647195239861807},{"text":"Yeah.","start":1138.4401,"end":1138.9401,"sentiment":"neutral","sentiment_score":-0.03386133536696434},{"text":"No.","start":1139.24,"end":1139.72,"sentiment":"neutral","sentiment_score":-0.06310438364744186},{"text":"Of course.","start":1139.72,"end":1140.38,"sentiment":"neutral","sentiment_score":-0.02886914648115635}],"sentiment":"neutral","sentiment_score":-0.0926157370209694,"num_words":10,"start":1121.25,"end":1140.38},{"sentences":[{"text":"Absolutely.","start":1141.24,"end":1141.74,"sentiment":"neutral","sentiment_score":0.013560611754655838},{"text":"Oh, we are also yeah.","start":1142.36,"end":1144.76,"sentiment":"neutral","sentiment_score":0.011033946089446545},{"text":"That's alright.","start":1144.76,"end":1145.5,"sentiment":"neutral","sentiment_score":0.06056668236851692},{"text":"I can I'll break down the the information in the email for you.","start":1145.72,"end":1149.24,"sentiment":"neutral","sentiment_score":0.07964287984829682},{"text":"You can sort of see it after the call just to kind of be able to mull it over.","start":1149.24,"end":1152.635,"sentiment":"neutral","sentiment_score":0.02576201889467867}],"sentiment":"neutral","sentiment_score":0.0428674875991419,"num_words":40,"start":1141.24,"end":1152.635},{"sentences":[{"text":"But just to give you a little bit of information now, so total permanent disability, it basically pays out a lump sum or an income if you're never able to go back to work again due to disability.","start":1153.175,"end":1163.995,"sentiment":"neutral","sentiment_score":-0.019833435120649244},{"text":"You do have the same level of cover at the moment, and it means that if you were to claim on that, the amount received could be, essentially, with your super balance included, the same as your life cover.","start":1164.86,"end":1178.315,"sentiment":"neutral","sentiment_score":0.09488009594571896},{"text":"So it does provide pretty sufficient cover.","start":1178.315,"end":1180.475,"sentiment":"neutral","sentiment_score":0.1717765192900385},{"text":"It could pay out the mortgage and then provide a little bit of additional income thereafter.","start":1180.475,"end":1185.055,"sentiment":"neutral","sentiment_score":0.07456384506076574},{"text":"Sorry.","start":1186.555,"end":1186.955,"sentiment":"neutral","sentiment_score":-0.008653951808810234}],"sentiment":"neutral","sentiment_score":0.05280649912368396,"num_words":101,"start":1153.175,"end":1186.955},{"sentences":[{"text":"I just I think I do apologize.","start":1186.955,"end":1188.495,"sentiment":"neutral","sentiment_score":-0.05648416121091161},{"text":"But I'll write that down so you can talk to Aaron as to weigh it up because there is a lot to sort of take into.","start":1190.075,"end":1197.12,"sentiment":"neutral","sentiment_score":0.04545174496105084},{"text":"It is a really good amount of cover.","start":1197.18,"end":1199.04,"sentiment":"positive","sentiment_score":0.4271870143711567},{"text":"I mean, the other thing is that you do pay for these out of your super.","start":1199.58,"end":1203.84,"sentiment":"neutral","sentiment_score":0.10908865975216031},{"text":"So having more cover means that you get more in the event of a claim.","start":1203.9,"end":1207.68,"sentiment":"neutral","sentiment_score":0.1197278638680776}],"sentiment":"neutral","sentiment_score":0.10757206763244337,"num_words":72,"start":1186.955,"end":1207.68},{"sentences":[{"text":"But, realistically, we're trying to we're trying to protect ourselves against the risk of something occurring.","start":1208.305,"end":1214.0851,"sentiment":"neutral","sentiment_score":-0.07967868928972166},{"text":"It might only be a very small chance that we actually claim on these.","start":1214.305,"end":1217.765,"sentiment":"neutral","sentiment_score":-0.24140843802264758},{"text":"And the biggest risk we have insurance is that we pay the premium, and then we get to retirement, and we cancel the cover.","start":1217.905,"end":1224.59,"sentiment":"negative","sentiment_score":-0.4782908819615841},{"text":"We've never claimed on them, but we don't get the premiums back as well.","start":1224.59,"end":1227.97,"sentiment":"negative","sentiment_score":-0.4855512423174722},{"text":"So that's essentially the ultimate risk we have with insurances.","start":1229.15,"end":1231.89,"sentiment":"negative","sentiment_score":-0.5512701988220214}],"sentiment":"negative","sentiment_score":-0.36466638088071096,"num_words":78,"start":1208.305,"end":1231.89},{"sentences":[{"text":"So we'd like to just make sure there's a level of cover that you're comfortable with in the event of something occurring, but also making sure it's not too expensive because it does eat it can eat away your sleep, but if the premiums are too expensive.","start":1232.59,"end":1245.495,"sentiment":"neutral","sentiment_score":-0.038628069644278666},{"text":"And, ultimately, you work, you know, forty odd years to get to retirement.","start":1245.495,"end":1250.475,"sentiment":"neutral","sentiment_score":0.02684437999358544},{"text":"You wanna enjoy that retirement.","start":1250.695,"end":1252.315,"sentiment":"positive","sentiment_score":0.3599625825881958},{"text":"What what age do you think you'd like to retire?","start":1260.77,"end":1263.01,"sentiment":"neutral","sentiment_score":-0.07282974235713482},{"text":"What's your goal age at the moment?","start":1263.01,"end":1264.79,"sentiment":"neutral","sentiment_score":-0.04084329626389912}],"sentiment":"neutral","sentiment_score":-0.008304023388318899,"num_words":82,"start":1232.59,"end":1264.79},{"sentences":[{"text":"Oh, me too.","start":1269.4349,"end":1270.335,"sentiment":"neutral","sentiment_score":-0.18449199199676514},{"text":"Yeah.","start":1273.6749,"end":1274.1749,"sentiment":"neutral","sentiment_score":-0.11041522026062012},{"text":"Yep.","start":1276.955,"end":1277.455,"sentiment":"neutral","sentiment_score":-0.11473242938518524},{"text":"Yeah.","start":1289.2899,"end":1289.7899,"sentiment":"neutral","sentiment_score":-0.007572682574391365},{"text":"You've worked a really long time.","start":1297.2749,"end":1299.2949,"sentiment":"neutral","sentiment_score":0.03200301838417848}],"sentiment":"neutral","sentiment_score":-0.04951484982545177,"num_words":12,"start":1269.4349,"end":1299.2949},{"sentences":[{"text":"Yeah.","start":1306.35,"end":1306.85,"sentiment":"neutral","sentiment_score":0.007882189936935902},{"text":"No.","start":1307.23,"end":1307.55,"sentiment":"neutral","sentiment_score":-0.13732221722602844},{"text":"You've you've worked hard, and there's still a few more years to go.","start":1307.55,"end":1310.91,"sentiment":"neutral","sentiment_score":-0.14806753712204787},{"text":"I mean, yours is the same age as me, so we can't technically retire to the age of 60 there as the earliest opportunity currently.","start":1310.91,"end":1318.21,"sentiment":"neutral","sentiment_score":-0.15401312172412873},{"text":"But I know by the time we get there, we will have worked a lifetime.","start":1319.0449,"end":1321.945,"sentiment":"neutral","sentiment_score":-0.02121353621284167}],"sentiment":"neutral","sentiment_score":-0.11314271083948287,"num_words":55,"start":1306.35,"end":1321.945},{"sentences":[{"text":"And then when you think about at at 60.","start":1322.1649,"end":1326.985,"sentiment":"neutral","sentiment_score":-0.004614893631595705},{"text":"Yeah.","start":1328.645,"end":1329.145,"sentiment":"neutral","sentiment_score":0.28330203890800476},{"text":"Yeah.","start":1330.005,"end":1330.505,"sentiment":"neutral","sentiment_score":0.2101738154888153},{"text":"Yep.","start":1332.49,"end":1332.57,"sentiment":"neutral","sentiment_score":0.31547144055366516},{"text":"Beautiful.","start":1332.57,"end":1333.07,"sentiment":"positive","sentiment_score":0.7480496764183044}],"sentiment":"neutral","sentiment_score":0.11657407143726371,"num_words":13,"start":1322.1649,"end":1333.07},{"sentences":[{"text":"I like that.","start":1333.2899,"end":1333.9299,"sentiment":"positive","sentiment_score":0.7214729984601339},{"text":"The best earliest opportunity will access it.","start":1333.9299,"end":1336.51,"sentiment":"neutral","sentiment_score":0.28396052547863554},{"text":"Well, if you do, let me know.","start":1339.77,"end":1341.39,"sentiment":"neutral","sentiment_score":0.024661365364279066},{"text":"No worries at all.","start":1345.13,"end":1346.99,"sentiment":"neutral","sentiment_score":0.04913666099309921},{"text":"So I'll keep your insurances as they are for the moment there.","start":1348.165,"end":1350.885,"sentiment":"neutral","sentiment_score":0.07324512489140034}],"sentiment":"neutral","sentiment_score":0.16364425375606073,"num_words":33,"start":1333.2899,"end":1350.885},{"sentences":[{"text":"You do also have income protection.","start":1350.885,"end":1352.665,"sentiment":"neutral","sentiment_score":0.027331076562404633},{"text":"It essentially does payout an income benefit if you're unable to work in the shorter term.","start":1352.805,"end":1357.605,"sentiment":"neutral","sentiment_score":-0.02381270390469581},{"text":"So say you're due you're off work due to being very heavily sick, you've broken a leg, or you can't go to work for that ninety days.","start":1357.605,"end":1365.1101,"sentiment":"neutral","sentiment_score":-0.10058523266127815},{"text":"Based on your level of income protection sorry.","start":1366.6101,"end":1370.2101,"sentiment":"neutral","sentiment_score":-0.011224223650060594},{"text":"You're right.","start":1370.2101,"end":1370.87,"sentiment":"neutral","sentiment_score":0.007669486716622487}],"sentiment":"neutral","sentiment_score":-0.05097072713088907,"num_words":59,"start":1350.885,"end":1370.87},{"sentences":[{"text":"Yep.","start":1372.37,"end":1372.87,"sentiment":"neutral","sentiment_score":0.012980620376765728},{"text":"That's correct.","start":1378.4501,"end":1379.305,"sentiment":"neutral","sentiment_score":0.04773569293320179},{"text":"Yeah.","start":1379.305,"end":1379.4651,"sentiment":"neutral","sentiment_score":0.02744166925549507},{"text":"You've got a ninety day waiting period.","start":1379.4651,"end":1381.305,"sentiment":"neutral","sentiment_score":0.000574544645912413},{"text":"So that means you would just have to be off work for ninety days before you can make that claim, and the claim tends to be paid, say, thirty days after that.","start":1381.305,"end":1391.0651,"sentiment":"neutral","sentiment_score":-0.016489058907609433}],"sentiment":"neutral","sentiment_score":-0.009017079000545363,"num_words":43,"start":1372.37,"end":1391.0651},{"sentences":[{"text":"So, realistically, you're waiting a hundred and twenty days before your first payment comes in.","start":1391.0651,"end":1395.62,"sentiment":"neutral","sentiment_score":-0.023026743407050767},{"text":"With income protection, just so you have a little bit of information, if we base your income, you said you're you made about a 100,000 last year.","start":1397.2,"end":1404.58,"sentiment":"neutral","sentiment_score":0.0035521620280902695},{"text":"Yeah.","start":1406.08,"end":1406.4,"sentiment":"neutral","sentiment_score":0.010812227614223955},{"text":"So we look at that, and then you can't that's okay.","start":1406.4,"end":1411.595,"sentiment":"neutral","sentiment_score":-0.029198789461092514},{"text":"If you look at that, we realistically, they have you covered with the maximum benefit payable because income protection can pay up to 70 percent of your pre disability earnings.","start":1412.775,"end":1424.395,"sentiment":"neutral","sentiment_score":0.02891386697689692}],"sentiment":"neutral","sentiment_score":0.003661294958354639,"num_words":84,"start":1391.0651,"end":1424.395},{"sentences":[{"text":"A 100,000 means you would realistically need to be insured for 5,833.","start":1425.735,"end":1435.8301,"sentiment":"neutral","sentiment_score":0.0257632527500391},{"text":"But in saying that, if Aaron's the main primary breadwinner, does he bring in enough money to cover your bills?","start":1436.05,"end":1442.205,"sentiment":"neutral","sentiment_score":0.0017879821825772524},{"text":"Or if you were off work, would you need to have that income protection coming in to support you guys, or would it just be extra?","start":1442.205,"end":1449.025,"sentiment":"neutral","sentiment_score":-0.04884669593033882},{"text":"Yep.","start":1455.46,"end":1455.96,"sentiment":"neutral","sentiment_score":-0.2187102288007736},{"text":"Yep.","start":1460.74,"end":1461.24,"sentiment":"neutral","sentiment_score":0.008636519312858582}],"sentiment":"neutral","sentiment_score":-0.018919485450411836,"num_words":60,"start":1425.735,"end":1461.24},{"sentences":[{"text":"Would you say that 2,600 pretax would be comfortable?","start":1461.7,"end":1467.08,"sentiment":"neutral","sentiment_score":0.02070750720385048},{"text":"Yeah.","start":1467.38,"end":1467.7799,"sentiment":"neutral","sentiment_score":0.04782517999410629},{"text":"That's the monthly benefit.","start":1467.7799,"end":1469.0,"sentiment":"neutral","sentiment_score":0.062223153188824654},{"text":"No.","start":1471.445,"end":1471.845,"sentiment":"neutral","sentiment_score":-0.08110679686069489},{"text":"Sorry.","start":1471.845,"end":1472.345,"sentiment":"neutral","sentiment_score":-0.08990021049976349}],"sentiment":"neutral","sentiment_score":0.019504896888975054,"num_words":16,"start":1461.7,"end":1472.345},{"sentences":[{"text":"Yeah.","start":1473.605,"end":1474.005,"sentiment":"neutral","sentiment_score":-0.0367577001452446},{"text":"No.","start":1474.005,"end":1474.325,"sentiment":"neutral","sentiment_score":-0.08471350371837616},{"text":"Sorry.","start":1474.325,"end":1474.825,"sentiment":"neutral","sentiment_score":-0.051389917731285095},{"text":"If you need to, yeah.","start":1484.02,"end":1485.38,"sentiment":"neutral","sentiment_score":0.022335778921842575},{"text":"So it also comes down to, you know, if if that amount would be sufficient.","start":1485.38,"end":1489.4,"sentiment":"neutral","sentiment_score":0.048257932315270105}],"sentiment":"neutral","sentiment_score":0.028812467727972114,"num_words":23,"start":1473.605,"end":1489.4},{"sentences":[{"text":"So the other thing to think about and I'll put this in the email because it is a lot to take in.","start":1489.54,"end":1493.9401,"sentiment":"neutral","sentiment_score":0.10117940638553012},{"text":"The income protection, that monthly benefit you're looking at, that is also a free tax benefit.","start":1493.9401,"end":1500.265,"sentiment":"neutral","sentiment_score":0.10812174202874303},{"text":"So the same as you pay income tax on your employer, that would also be subject to income tax.","start":1500.3251,"end":1506.005,"sentiment":"neutral","sentiment_score":0.058544989577249476},{"text":"So, realistically, you might get 2,300 or just over $2,000 as a monthly benefit.","start":1506.005,"end":1512.22,"sentiment":"neutral","sentiment_score":0.023959068581461906},{"text":"You do, unfortunately.","start":1514.52,"end":1515.58,"sentiment":"negative","sentiment_score":-0.33352311452229816}],"sentiment":"neutral","sentiment_score":0.05950144907409275,"num_words":74,"start":1489.54,"end":1515.58},{"sentences":[{"text":"Yeah.","start":1515.72,"end":1516.12,"sentiment":"neutral","sentiment_score":-0.14605113863945007},{"text":"They they take us in every way, shape, or form.","start":1516.12,"end":1518.94,"sentiment":"neutral","sentiment_score":-0.11681494936347007},{"text":"We do.","start":1519.0,"end":1519.72,"sentiment":"neutral","sentiment_score":-0.007916035130620003},{"text":"Shocking.","start":1519.72,"end":1520.22,"sentiment":"negative","sentiment_score":-0.41131383180618286},{"text":"It could be worthwhile definitely doing it.","start":1527.9349,"end":1530.355,"sentiment":"positive","sentiment_score":0.490775465965271}],"sentiment":"neutral","sentiment_score":0.08067055844834872,"num_words":21,"start":1515.72,"end":1530.355},{"sentences":[{"text":"If you like, what I'll do, I'll find out whether I can get the quote pre done, but I'll put that information into an email for you so you can mow it over, Aaron, and sort of have a look at what you would like to do.","start":1530.895,"end":1542.89,"sentiment":"neutral","sentiment_score":0.239311749630786},{"text":"And you can come back and let me know as to whether you would like me to update the advice to reflect, because I do wanna provide some new advice and make some changes to your portfolio.","start":1543.1901,"end":1551.485,"sentiment":"neutral","sentiment_score":0.2735140525005959},{"text":"So as part of that, I could always increase the income protection in line with your income and show you that as part of the advice document.","start":1552.185,"end":1560.205,"sentiment":"neutral","sentiment_score":0.2936210212884126},{"text":"There's you don't have to take it if you don't want to.","start":1561.0651,"end":1564.4585,"sentiment":"neutral","sentiment_score":0.00036833569174632544},{"text":"You advice that we provide is essentially just advice, but it's showing you what what we can do, how this looks, the advantages, the disadvantages, and the risks involved.","start":1564.4585,"end":1572.4031,"sentiment":"neutral","sentiment_score":0.04348143436624829}],"sentiment":"neutral","sentiment_score":0.20105803536104136,"num_words":152,"start":1530.895,"end":1572.4031},{"sentences":[{"text":"And then you get to take that advice away, read it over, and decide whether you wanna take that advice or not.","start":1572.4031,"end":1578.265,"sentiment":"neutral","sentiment_score":-0.022326458203182978},{"text":"So I'll put all of this in an email.","start":1578.265,"end":1581.865,"sentiment":"neutral","sentiment_score":0.1517668134636349},{"text":"And if you like, as part of the advice, I'll look at increasing the income protection benefits, show you what that looks like for you, and then you get to decide with Aaron whether you're happy to take that or whether you don't you know, what you're happy to do.","start":1581.865,"end":1594.09,"sentiment":"neutral","sentiment_score":0.17887733295559882},{"text":"Does that sound okay?","start":1594.09,"end":1595.23,"sentiment":"neutral","sentiment_score":0.17169679328799248},{"text":"Yes.","start":1596.01,"end":1596.51,"sentiment":"positive","sentiment_score":0.37991806864738464}],"sentiment":"neutral","sentiment_score":0.1265731526776975,"num_words":86,"start":1572.4031,"end":1596.51},{"sentences":[{"text":"Beautiful.","start":1596.73,"end":1597.23,"sentiment":"positive","sentiment_score":0.6168912649154663},{"text":"That ninety day waiting period, do you feel like that's appropriate and comfortable?","start":1598.65,"end":1603.15,"sentiment":"neutral","sentiment_score":0.3046996524700752},{"text":"Would you wanna alter, reduce that, or do you think ninety days before claiming would be okay?","start":1603.29,"end":1609.225,"sentiment":"neutral","sentiment_score":0.027246200315216008},{"text":"To my understanding, they definitely do do less.","start":1618.6,"end":1621.58,"sentiment":"neutral","sentiment_score":-0.056053449399769306},{"text":"Generally, we can have a thirty day, six day, or a ninety day waiting period.","start":1622.44,"end":1626.38,"sentiment":"neutral","sentiment_score":0.09075376639763515}],"sentiment":"neutral","sentiment_score":0.11026020468799053,"num_words":54,"start":1596.73,"end":1626.38},{"sentences":[{"text":"Yeah.","start":1628.28,"end":1628.52,"sentiment":"neutral","sentiment_score":0.15170970559120178},{"text":"They can even go longer, make the policy cheaper.","start":1628.52,"end":1631.34,"sentiment":"neutral","sentiment_score":0.23256121244695452},{"text":"Having a thirty or sixty day waiting period does make the policy a bit more expensive, but it also means you can claim you're happy with that?","start":1632.375,"end":1641.5751,"sentiment":"neutral","sentiment_score":0.01021197865958567},{"text":"Yep.","start":1641.5751,"end":1642.0751,"sentiment":"neutral","sentiment_score":0.08881929516792297},{"text":"Yep.","start":1643.415,"end":1643.735,"sentiment":"neutral","sentiment_score":0.107488751411438}],"sentiment":"neutral","sentiment_score":0.06966133558979401,"num_words":39,"start":1628.28,"end":1643.735},{"sentences":[{"text":"That's okay.","start":1643.735,"end":1644.475,"sentiment":"neutral","sentiment_score":0.1504407748579979},{"text":"I can add all that information into the email for you as well, break down, you know, what it is so you can kind of look at it after the call.","start":1644.6799,"end":1651.96,"sentiment":"neutral","sentiment_score":0.11419546267678661},{"text":"Because I know it is a lot to take in while I'm talking to you, so I understand that.","start":1651.96,"end":1656.14,"sentiment":"neutral","sentiment_score":0.0076174336534581685},{"text":"You've got a five year benefit period.","start":1657.815,"end":1660.215,"sentiment":"neutral","sentiment_score":0.11538120359182358},{"text":"That is not a bad benefit period because it means you can be on a claim for up to five years.","start":1660.215,"end":1664.695,"sentiment":"neutral","sentiment_score":0.17155721996511733}],"sentiment":"neutral","sentiment_score":0.10495052720652893,"num_words":80,"start":1643.735,"end":1664.695},{"sentences":[{"text":"Most claims are dealt with within the first two years, so it does mean you can be on a claim longer, and it's also keeping the policy fairly cost effective for you.","start":1664.695,"end":1673.8099,"sentiment":"neutral","sentiment_score":0.26779720187187195},{"text":"So five years isn't a bad benefit period.","start":1673.8099,"end":1675.8899,"sentiment":"neutral","sentiment_score":0.12246465962380171},{"text":"Do you feel pretty comfortable keeping it that way?","start":1675.8899,"end":1678.1499,"sentiment":"neutral","sentiment_score":0.03813880681991577},{"text":"Yep.","start":1681.4099,"end":1681.9099,"sentiment":"positive","sentiment_score":0.42298054695129395},{"text":"Beautiful.","start":1683.25,"end":1683.75,"sentiment":"positive","sentiment_score":0.809809684753418}],"sentiment":"neutral","sentiment_score":0.21814249470537783,"num_words":51,"start":1664.695,"end":1683.75},{"sentences":[{"text":"Excellent.","start":1683.8899,"end":1684.3899,"sentiment":"positive","sentiment_score":0.7621470093727112},{"text":"The other types of insurances that you can technically hold that you don't have are trauma.","start":1685.215,"end":1689.715,"sentiment":"neutral","sentiment_score":0.1180847326759249},{"text":"Trauma pays out like a lump sum benefit.","start":1690.335,"end":1692.5149,"sentiment":"neutral","sentiment_score":0.09020774252712727},{"text":"Tax free if you're diagnosed with cancer, Parkinson's, you have a heart attack or a stroke.","start":1692.735,"end":1697.955,"sentiment":"neutral","sentiment_score":0.05073965317569673},{"text":"And you can only get, like, trial trauma policies where you can put insurance in place to cover to cover your child if they are diagnosed with major traumatic conditions like cancer or if they pass away, it pays out a lump sum benefit to cover their funerals and things like that.","start":1698.28,"end":1715.525,"sentiment":"neutral","sentiment_score":0.06089705565514473}],"sentiment":"neutral","sentiment_score":0.07904995717508818,"num_words":93,"start":1683.8899,"end":1715.525},{"sentences":[{"text":"Those other sorts of trauma and child trauma policies, they have to be paid personally.","start":1715.9049,"end":1720.3049,"sentiment":"neutral","sentiment_score":-0.08544347335894903},{"text":"So out of your back pocket, they cannot be held inside so far.","start":1720.3049,"end":1723.765,"sentiment":"neutral","sentiment_score":-0.13040887736357176},{"text":"Is there any kind of thought on whether you wanted to look at anything additional or you're happy with with what you've got and just kind of wanting to see everything in broken down to make it easier?","start":1724.34,"end":1733.4,"sentiment":"neutral","sentiment_score":-0.011341659450217298},{"text":"No.","start":1739.585,"end":1739.905,"sentiment":"neutral","sentiment_score":-0.17676597833633423},{"text":"I promise you, I ask all the questions you've never thought of answering.","start":1739.905,"end":1742.885,"sentiment":"neutral","sentiment_score":-0.1238866184766476}],"sentiment":"neutral","sentiment_score":-0.06494053229689598,"num_words":80,"start":1715.9049,"end":1742.885},{"sentences":[{"text":"Yep.","start":1748.0651,"end":1748.385,"sentiment":"neutral","sentiment_score":-0.019677169620990753},{"text":"That's okay.","start":1748.385,"end":1749.205,"sentiment":"neutral","sentiment_score":-0.036212021484971046},{"text":"Yep.","start":1750.04,"end":1750.28,"sentiment":"neutral","sentiment_score":0.039155688136816025},{"text":"That's alright.","start":1750.28,"end":1750.76,"sentiment":"neutral","sentiment_score":0.06358816474676132},{"text":"I'll break it all down into an email.","start":1750.76,"end":1752.36,"sentiment":"neutral","sentiment_score":0.052046914119273424}],"sentiment":"neutral","sentiment_score":0.03504329414239952,"num_words":14,"start":1748.0651,"end":1752.36},{"sentences":[{"text":"It's not a problem at all.","start":1752.36,"end":1753.48,"sentiment":"neutral","sentiment_score":0.1772281900048256},{"text":"We can always come back and revisit that at any time that you're comfortable with, or if you just find yeah.","start":1753.48,"end":1759.66,"sentiment":"neutral","sentiment_score":0.1333614474251157},{"text":"Absolutely.","start":1760.2,"end":1760.7,"sentiment":"neutral","sentiment_score":0.09209592640399931},{"text":"Yeah.","start":1762.4751,"end":1762.875,"sentiment":"neutral","sentiment_score":0.07742085307836533},{"text":"Absolutely.","start":1762.875,"end":1763.375,"sentiment":"neutral","sentiment_score":0.11218753457069396}],"sentiment":"neutral","sentiment_score":0.13818879500031472,"num_words":30,"start":1752.36,"end":1763.375},{"sentences":[{"text":"Yeah.","start":1763.5951,"end":1763.915,"sentiment":"neutral","sentiment_score":0.10508635640144348},{"text":"Definitely.","start":1763.915,"end":1764.415,"sentiment":"neutral","sentiment_score":0.14795541763305664},{"text":"And we can also do things via email.","start":1764.795,"end":1766.875,"sentiment":"neutral","sentiment_score":0.07423476967960596},{"text":"So, you know, if you have a bit time, Paul, you can always email me back, and I can communicate email with you and kinda do it.","start":1766.875,"end":1772.655,"sentiment":"neutral","sentiment_score":0.029324213732723838},{"text":"It's understandable with kids.","start":1774.3999,"end":1776.1799,"sentiment":"neutral","sentiment_score":-0.03544445091392845}],"sentiment":"neutral","sentiment_score":0.036509656063394576,"num_words":41,"start":1763.5951,"end":1776.1799},{"sentences":[{"text":"No.","start":1782.32,"end":1782.7999,"sentiment":"neutral","sentiment_score":-0.154446542263031},{"text":"No.","start":1782.7999,"end":1783.2,"sentiment":"neutral","sentiment_score":-0.15842771530151367},{"text":"I've got three kids myself.","start":1783.2,"end":1784.6399,"sentiment":"neutral","sentiment_score":-0.12153744101524352},{"text":"I completely understand.","start":1784.6399,"end":1785.94,"sentiment":"neutral","sentiment_score":-0.0920579048494498},{"text":"Yeah.","start":1799.335,"end":1799.495,"sentiment":"neutral","sentiment_score":-0.07734031975269318}],"sentiment":"neutral","sentiment_score":-0.11582504517652771,"num_words":11,"start":1782.32,"end":1799.495},{"sentences":[{"text":"Oh, no.","start":1799.495,"end":1800.315,"sentiment":"neutral","sentiment_score":-0.16788707673549652},{"text":"Yeah.","start":1804.18,"end":1804.68,"sentiment":"neutral","sentiment_score":-0.07256364822387695},{"text":"Oh, I've I've been that parent.","start":1808.5,"end":1810.26,"sentiment":"neutral","sentiment_score":-0.058203987777233124},{"text":"I've done that before, set my kids to school and just gone, oh, no.","start":1810.26,"end":1813.22,"sentiment":"neutral","sentiment_score":-0.09730758517980576},{"text":"We forgot to dress up today.","start":1813.22,"end":1814.74,"sentiment":"neutral","sentiment_score":-0.10634917144974072}],"sentiment":"neutral","sentiment_score":-0.0951021706749653,"num_words":29,"start":1799.495,"end":1814.74},{"sentences":[{"text":"Oh, no.","start":1814.74,"end":1815.14,"sentiment":"neutral","sentiment_score":-0.1269836239516735},{"text":"We forgot to go to Christmas.","start":1815.14,"end":1816.36,"sentiment":"neutral","sentiment_score":-0.10885358229279518},{"text":"No.","start":1820.875,"end":1821.375,"sentiment":"neutral","sentiment_score":-0.18229122459888455},{"text":"You're not.","start":1821.4349,"end":1822.1749,"sentiment":"neutral","sentiment_score":-0.21529194712638855},{"text":"You're busy.","start":1822.475,"end":1823.2949,"sentiment":"neutral","sentiment_score":-0.1838899701833725}],"sentiment":"neutral","sentiment_score":-0.14521106160604036,"num_words":13,"start":1814.74,"end":1823.2949},{"sentences":[{"text":"Yeah.","start":1823.595,"end":1824.095,"sentiment":"neutral","sentiment_score":-0.09892835468053818},{"text":"Yeah.","start":1826.5549,"end":1827.0549,"sentiment":"neutral","sentiment_score":-0.0687512457370758},{"text":"Yeah.","start":1827.755,"end":1828.255,"sentiment":"neutral","sentiment_score":-0.07719201594591141},{"text":"No.","start":1828.315,"end":1828.635,"sentiment":"neutral","sentiment_score":-0.20604561269283295},{"text":"Completely understandable.","start":1828.635,"end":1829.9349,"sentiment":"neutral","sentiment_score":-0.2146400734782219}],"sentiment":"neutral","sentiment_score":-0.14669956266880035,"num_words":6,"start":1823.595,"end":1829.9349},{"sentences":[{"text":"Mom life never ends.","start":1830.155,"end":1831.5349,"sentiment":"neutral","sentiment_score":-0.17041850462555885},{"text":"All good.","start":1835.97,"end":1836.63,"sentiment":"positive","sentiment_score":0.3714621961116791},{"text":"If you want that document, you can move to the next one for me.","start":1837.17,"end":1839.8099,"sentiment":"neutral","sentiment_score":0.1189769698040826},{"text":"This is showing your performance report on how your investors have returned.","start":1839.8099,"end":1843.43,"sentiment":"neutral","sentiment_score":0.05669155313322941},{"text":"Yep.","start":1845.585,"end":1845.905,"sentiment":"neutral","sentiment_score":0.05384774133563042}],"sentiment":"neutral","sentiment_score":0.07457800999735341,"num_words":33,"start":1830.155,"end":1845.905},{"sentences":[{"text":"This is the performance of internal rate of return, and it should have a whole list of different investment options there for you to see.","start":1845.905,"end":1852.965,"sentiment":"neutral","sentiment_score":0.08504977405071258},{"text":"Yep.","start":1854.5449,"end":1855.025,"sentiment":"neutral","sentiment_score":0.1981697529554367},{"text":"Perfect.","start":1855.025,"end":1855.525,"sentiment":"positive","sentiment_score":0.38459312915802},{"text":"So with this one here, you'll see it has all the different investment options.","start":1856.465,"end":1859.81,"sentiment":"neutral","sentiment_score":0.19922900519200734},{"text":"It can be a lot to go through.","start":1859.81,"end":1861.65,"sentiment":"neutral","sentiment_score":0.11433807760477066}],"sentiment":"neutral","sentiment_score":0.13087587605933754,"num_words":49,"start":1845.905,"end":1861.65},{"sentences":[{"text":"But if you look at the second last column, the heading there is the internal rate of return, and you've got a bunch of percentages below that.","start":1861.65,"end":1869.73,"sentiment":"neutral","sentiment_score":0.046707591800778},{"text":"Can you see that, Wayne?","start":1869.73,"end":1871.03,"sentiment":"neutral","sentiment_score":0.04147443696856499},{"text":"Yes.","start":1876.455,"end":1876.775,"sentiment":"neutral","sentiment_score":0.0469624325633049},{"text":"It's the second last line across the top.","start":1876.775,"end":1879.995,"sentiment":"neutral","sentiment_score":0.03796514589339495},{"text":"It should say internal rate if we can.","start":1882.775,"end":1884.955,"sentiment":"neutral","sentiment_score":0.02305515529587865}],"sentiment":"neutral","sentiment_score":0.040889836847782135,"num_words":49,"start":1861.65,"end":1884.955},{"sentences":[{"text":"Note two.","start":1885.8151,"end":1886.715,"sentiment":"neutral","sentiment_score":-0.0010829083621501923},{"text":"No.","start":1896.97,"end":1897.13,"sentiment":"neutral","sentiment_score":-0.08151507377624512},{"text":"No.","start":1897.13,"end":1897.37,"sentiment":"neutral","sentiment_score":-0.08128827810287476},{"text":"That's okay.","start":1897.37,"end":1898.09,"sentiment":"neutral","sentiment_score":-0.022615285124629736},{"text":"What are you look not sure.","start":1898.09,"end":1900.57,"sentiment":"neutral","sentiment_score":-0.028874901744226616}],"sentiment":"neutral","sentiment_score":-0.03195409577650329,"num_words":12,"start":1885.8151,"end":1900.57},{"sentences":[{"text":"What are you looking at?","start":1900.57,"end":1901.45,"sentiment":"neutral","sentiment_score":-0.009389070980250835},{"text":"What's the top of the page say?","start":1901.45,"end":1903.45,"sentiment":"neutral","sentiment_score":0.004404711537063122},{"text":"That's okay.","start":1903.45,"end":1904.115,"sentiment":"neutral","sentiment_score":0.04613389074802399},{"text":"Yep.","start":1907.635,"end":1907.955,"sentiment":"neutral","sentiment_score":0.04717956483364105},{"text":"Perfect.","start":1907.955,"end":1908.455,"sentiment":"neutral","sentiment_score":0.2268001288175583}],"sentiment":"neutral","sentiment_score":0.021883443812839687,"num_words":16,"start":1900.57,"end":1908.455},{"sentences":[{"text":"Yep.","start":1908.755,"end":1909.155,"sentiment":"neutral","sentiment_score":0.08572930097579956},{"text":"So then under that, you've got the date, and then under that is your name, and then you've got our our financial there, and then you've got a table.","start":1909.155,"end":1918.615,"sentiment":"neutral","sentiment_score":0.019539772115390878},{"text":"On the table?","start":1919.315,"end":1920.42,"sentiment":"neutral","sentiment_score":0.010158822716524204},{"text":"Yep.","start":1921.04,"end":1921.4401,"sentiment":"neutral","sentiment_score":0.020140577107667923},{"text":"Yep.","start":1921.4401,"end":1921.9401,"sentiment":"neutral","sentiment_score":0.022614844143390656}],"sentiment":"neutral","sentiment_score":0.020731845192079032,"num_words":35,"start":1908.755,"end":1921.9401},{"sentences":[{"text":"So then if you look at the table in the blue box, you've got asset type, then market value.","start":1922.08,"end":1928.34,"sentiment":"neutral","sentiment_score":0.019443203302982607},{"text":"Yep.","start":1928.72,"end":1929.22,"sentiment":"neutral","sentiment_score":0.015278978273272514},{"text":"That's okay.","start":1933.6,"end":1934.42,"sentiment":"neutral","sentiment_score":0.04071924835443497},{"text":"You're fine.","start":1934.72,"end":1935.585,"sentiment":"neutral","sentiment_score":0.036825619637966156},{"text":"It's yep.","start":1935.985,"end":1939.4249,"sentiment":"neutral","sentiment_score":0.010333389975130558}],"sentiment":"neutral","sentiment_score":0.021556013729423285,"num_words":26,"start":1922.08,"end":1939.4249},{"sentences":[{"text":"That's okay.","start":1939.4249,"end":1940.245,"sentiment":"neutral","sentiment_score":0.008381004212424159},{"text":"That's all good.","start":1942.7849,"end":1943.9249,"sentiment":"neutral","sentiment_score":0.043035052716732025},{"text":"Yep.","start":1944.945,"end":1945.265,"sentiment":"neutral","sentiment_score":0.021957404911518097},{"text":"So the second last column says internal rate of return.","start":1945.265,"end":1948.645,"sentiment":"neutral","sentiment_score":0.022938462160527705},{"text":"Yep.","start":1948.945,"end":1949.445,"sentiment":"neutral","sentiment_score":0.046158112585544586}],"sentiment":"neutral","sentiment_score":0.026080429745728478,"num_words":17,"start":1939.4249,"end":1949.445},{"sentences":[{"text":"Perfect.","start":1950.705,"end":1951.205,"sentiment":"positive","sentiment_score":0.4157984852790833},{"text":"Now this is sort of showing how all those individual investments have performed.","start":1951.61,"end":1955.31,"sentiment":"neutral","sentiment_score":0.24764052950418913},{"text":"Majority of them have performed very well.","start":1955.37,"end":1957.6901,"sentiment":"neutral","sentiment_score":0.2858722742114748},{"text":"So you've got your infrastructure is up 18%, your Australian shares up 14%, If I don't lithium taxes, 36%.","start":1957.6901,"end":1966.2151,"sentiment":"neutral","sentiment_score":0.07979863541396826},{"text":"If you're just going down that line, you can see those different numbers there.","start":1966.2151,"end":1969.3351,"sentiment":"neutral","sentiment_score":0.0317596474529377}],"sentiment":"neutral","sentiment_score":0.14068593380593317,"num_words":54,"start":1950.705,"end":1969.3351},{"sentences":[{"text":"So everything is performing really nicely.","start":1969.3351,"end":1971.435,"sentiment":"neutral","sentiment_score":0.1893660103281339},{"text":"But this top one here, the Ben along Australian Equities, that one's not.","start":1971.8151,"end":1975.175,"sentiment":"neutral","sentiment_score":-0.18515332100483087},{"text":"That one's not doing its job.","start":1975.175,"end":1976.6151,"sentiment":"negative","sentiment_score":-0.38664287825425464},{"text":"It's underperforming.","start":1976.6151,"end":1977.435,"sentiment":"negative","sentiment_score":-0.37360742688179016},{"text":"And even though we've had lots of ups and downs in the market this year, that one should still be performing well because the rest of the Australian market is performing well.","start":1978.38,"end":1986.8,"sentiment":"neutral","sentiment_score":-0.12043071002699435}],"sentiment":"neutral","sentiment_score":-0.13884155856350722,"num_words":59,"start":1969.3351,"end":1986.8},{"sentences":[{"text":"So what I essentially looked at doing and and even though you've had a really good return, your portfolio has increased.","start":1987.18,"end":1992.54,"sentiment":"neutral","sentiment_score":0.05796748719045094},{"text":"You've seen a 6% return.","start":1992.54,"end":1994.355,"sentiment":"neutral","sentiment_score":0.2140928477048874},{"text":"It's great.","start":1994.355,"end":1995.175,"sentiment":"positive","sentiment_score":0.5685952603816986},{"text":"I do wanna go back and make some adjustments, remove some of the underperforming investments.","start":1996.355,"end":2001.015,"sentiment":"neutral","sentiment_score":0.1658272350827853},{"text":"I can maybe look at the cost factor and try to reduce the investment fees within the funds and try to find some investments that have been performing a little bit better to keep your super working harder.","start":2001.155,"end":2012.63,"sentiment":"neutral","sentiment_score":0.14665676712205536}],"sentiment":"neutral","sentiment_score":0.14179429218724923,"num_words":81,"start":1987.18,"end":2012.63},{"sentences":[{"text":"Are you open for me doing that for you?","start":2012.63,"end":2014.73,"sentiment":"neutral","sentiment_score":0.07723032931486766},{"text":"Yes.","start":2016.23,"end":2016.73,"sentiment":"positive","sentiment_score":0.37134695053100586},{"text":"Beautiful.","start":2016.87,"end":2017.37,"sentiment":"positive","sentiment_score":0.6633603572845459},{"text":"I definitely wanna remove the underperforming investment.","start":2017.83,"end":2020.31,"sentiment":"neutral","sentiment_score":-0.15201452480895178},{"text":"Definitely needs to be going out of there now, so we'll do that, and then we can have a bit of a look at it.","start":2020.31,"end":2025.7949,"sentiment":"neutral","sentiment_score":-0.11302200727164745}],"sentiment":"neutral","sentiment_score":-0.050229571716383446,"num_words":43,"start":2012.63,"end":2025.7949},{"sentences":[{"text":"One of the things I do sort of try to talk about, and it's okay if you're not sure, but that's been a long Australian equity fund.","start":2026.095,"end":2033.475,"sentiment":"neutral","sentiment_score":0.010322631302255171},{"text":"That's an actively managed fund.","start":2033.855,"end":2035.695,"sentiment":"neutral","sentiment_score":0.056675657629966736},{"text":"So the investment manager within that fund is supposed to be trying to outperform against the market.","start":2035.695,"end":2041.27,"sentiment":"neutral","sentiment_score":0.046480973415515},{"text":"They don't always do so.","start":2041.27,"end":2042.97,"sentiment":"neutral","sentiment_score":-0.11109004616737365},{"text":"I've got a couple of options that I can, you know, focus on with regard to replacement of that.","start":2043.59,"end":2050.01,"sentiment":"neutral","sentiment_score":0.04608430164424997}],"sentiment":"neutral","sentiment_score":0.02290982714764876,"num_words":73,"start":2026.095,"end":2050.01},{"sentences":[{"text":"Are you wanting me to maybe look at keeping keeping more of an actively amended fund in your portfolio, or do you want me to focus on the cost side of it reducing risk and maybe reducing the investment cost within the super for you?","start":2050.63,"end":2065.905,"sentiment":"neutral","sentiment_score":0.06836295309993956},{"text":"What would you like?","start":2065.905,"end":2066.97,"sentiment":"neutral","sentiment_score":0.0031940792687237263},{"text":"That's okay.","start":2071.6099,"end":2072.43,"sentiment":"neutral","sentiment_score":-0.05995971150696277},{"text":"Yep.","start":2087.325,"end":2087.825,"sentiment":"neutral","sentiment_score":0.05427093431353569},{"text":"Yeah.","start":2088.125,"end":2088.445,"sentiment":"neutral","sentiment_score":0.07851193845272064}],"sentiment":"neutral","sentiment_score":0.058527785968386904,"num_words":53,"start":2050.63,"end":2088.445},{"sentences":[{"text":"That's okay.","start":2088.445,"end":2089.005,"sentiment":"neutral","sentiment_score":0.11447662487626076},{"text":"Well, I can have a look at all the options.","start":2089.005,"end":2090.785,"sentiment":"neutral","sentiment_score":0.0986170195043087},{"text":"I'll look at all the different investment I have out there.","start":2091.485,"end":2094.19,"sentiment":"neutral","sentiment_score":0.13928103785623203},{"text":"I can make a recommendation, show you what that looks like, show you the difference to the outcome as part of the advice, and then you can decide what you're comfortable with.","start":2094.19,"end":2103.1501,"sentiment":"neutral","sentiment_score":0.20573957357555628},{"text":"I can focus on lowering the overall risk, try to reduce fees where I can as well, and just provide, you know, look at better performing investments as well.","start":2103.1501,"end":2111.745,"sentiment":"neutral","sentiment_score":0.16842628861295766}],"sentiment":"neutral","sentiment_score":0.16922909030247302,"num_words":84,"start":2088.445,"end":2111.745},{"sentences":[{"text":"How does that sound?","start":2111.745,"end":2112.8052,"sentiment":"neutral","sentiment_score":0.1486413013190031},{"text":"Yep.","start":2114.5452,"end":2114.945,"sentiment":"neutral","sentiment_score":0.25271570682525635},{"text":"Perfect.","start":2114.945,"end":2115.445,"sentiment":"positive","sentiment_score":0.533380389213562},{"text":"Focused on that.","start":2116.145,"end":2117.2651,"sentiment":"positive","sentiment_score":0.4329351782798767},{"text":"Excellent.","start":2117.2651,"end":2117.7651,"sentiment":"positive","sentiment_score":0.481752872467041}],"sentiment":"neutral","sentiment_score":0.3161219708621502,"num_words":10,"start":2111.745,"end":2117.7651},{"sentences":[{"text":"The next page, if you I think you can scroll down on this document, but it takes you to a second page of that same report.","start":2118.86,"end":2125.44,"sentiment":"neutral","sentiment_score":0.04481238628236147},{"text":"Yep.","start":2125.82,"end":2126.32,"sentiment":"neutral","sentiment_score":0.05814073979854584},{"text":"And that same column shows your return as a percentage for the last twelve months.","start":2126.94,"end":2131.82,"sentiment":"neutral","sentiment_score":0.09966434190670649},{"text":"So it shows you've made six point eight 0%.","start":2131.82,"end":2134.815,"sentiment":"neutral","sentiment_score":0.0888993466893832},{"text":"So, realistically, when I sort of look at that return, I look at what the average return is for your risk profile.","start":2134.815,"end":2141.555,"sentiment":"neutral","sentiment_score":0.09384366886859591}],"sentiment":"neutral","sentiment_score":0.07647784585005617,"num_words":73,"start":2118.86,"end":2141.555},{"sentences":[{"text":"So you're in a balanced growth environment at the moment, which means that 70% of your super is invested in higher risk investments like Australian and international equities and market property, and then also having some gold and silver and metals in there as well.","start":2141.695,"end":2159.8398,"sentiment":"neutral","sentiment_score":0.1853751528594229},{"text":"And then the other 30% in lower risk defensive investments are cash, bonds, and fixed interest.","start":2160.265,"end":2165.965,"sentiment":"neutral","sentiment_score":0.1237382972612977},{"text":"Given your age and state, this is a a good place for you to be in, but the expected average return of this kind of environment is around about six to 8%.","start":2166.265,"end":2175.8699,"sentiment":"positive","sentiment_score":0.35676934011280537},{"text":"So the fact that you've made 6.80% after fees, net of fees, is a good return.","start":2175.8699,"end":2181.31,"sentiment":"positive","sentiment_score":0.6213975101709366},{"text":"It's well within where the expectation is of that portfolio, and we just wanna keep building on that for you and try to, you know, make sure those returns keep up and work harder as hard as they possibly can.","start":2181.31,"end":2192.925,"sentiment":"neutral","sentiment_score":0.26341834394261243}],"sentiment":"neutral","sentiment_score":0.2833383049590876,"num_words":149,"start":2141.695,"end":2192.925},{"sentences":[{"text":"Does that make sense?","start":2192.925,"end":2194.065,"sentiment":"neutral","sentiment_score":0.056319963186979294},{"text":"Yep.","start":2195.485,"end":2195.985,"sentiment":"neutral","sentiment_score":0.1622139811515808},{"text":"Beautiful.","start":2196.045,"end":2196.545,"sentiment":"positive","sentiment_score":0.4005787670612335},{"text":"Do you have any questions?","start":2196.7651,"end":2198.145,"sentiment":"neutral","sentiment_score":0.16056329905986785},{"text":"No.","start":2200.365,"end":2200.685,"sentiment":"neutral","sentiment_score":-0.04041742905974388}],"sentiment":"neutral","sentiment_score":0.12920597226669392,"num_words":12,"start":2192.925,"end":2200.685},{"sentences":[{"text":"That's okay.","start":2200.685,"end":2201.405,"sentiment":"neutral","sentiment_score":0.061447225511074066},{"text":"You're fine.","start":2201.405,"end":2202.305,"sentiment":"neutral","sentiment_score":0.15961052477359772},{"text":"The next document, if you keep going for it no.","start":2203.56,"end":2206.52,"sentiment":"neutral","sentiment_score":-0.009101885184645653},{"text":"You're fine.","start":2206.52,"end":2207.08,"sentiment":"neutral","sentiment_score":0.023933158721774817},{"text":"Please don't ever say that.","start":2207.08,"end":2208.36,"sentiment":"neutral","sentiment_score":-0.049888421595096585}],"sentiment":"neutral","sentiment_score":0.007120040866235892,"num_words":21,"start":2200.685,"end":2208.36},{"sentences":[{"text":"It's honestly fine.","start":2208.36,"end":2209.74,"sentiment":"neutral","sentiment_score":0.05524006858468056},{"text":"If you go to the next document, you yeah.","start":2210.84,"end":2214.06,"sentiment":"neutral","sentiment_score":0.027204270164171856},{"text":"This is the Vanguard chart.","start":2214.12,"end":2215.9001,"sentiment":"neutral","sentiment_score":0.06345500946044921},{"text":"This is just a guide.","start":2216.12,"end":2217.6602,"sentiment":"neutral","sentiment_score":0.0926107794046402},{"text":"It just shows you how markets react and why we invest the way we do.","start":2218.615,"end":2222.695,"sentiment":"neutral","sentiment_score":0.10696038703123728}],"sentiment":"neutral","sentiment_score":0.07554846991961067,"num_words":37,"start":2208.36,"end":2222.695},{"sentences":[{"text":"So I kind of like this as more of an educational tool.","start":2222.695,"end":2226.475,"sentiment":"neutral","sentiment_score":0.1398444635172685},{"text":"And this is I mean, this is why I sort of say don't say that you're hopeless because you're not.","start":2226.695,"end":2230.2952,"sentiment":"neutral","sentiment_score":-0.03872270751744509},{"text":"This is that no one is taught any of this.","start":2230.2952,"end":2232.715,"sentiment":"neutral","sentiment_score":-0.1088308209553361},{"text":"You know, I had to go to uni.","start":2233.35,"end":2234.8901,"sentiment":"neutral","sentiment_score":-0.025719007244333625},{"text":"I had to go to university to become an adviser to learn all of this stuff.","start":2235.59,"end":2239.27,"sentiment":"neutral","sentiment_score":-0.02521163469646126}],"sentiment":"neutral","sentiment_score":-0.012026772890804392,"num_words":66,"start":2222.695,"end":2239.27},{"sentences":[{"text":"So, you know, so it's not something that is taught.","start":2239.27,"end":2244.09,"sentiment":"neutral","sentiment_score":0.029084610380232336},{"text":"I actually really do.","start":2244.31,"end":2245.59,"sentiment":"neutral","sentiment_score":0.30266325175762177},{"text":"I really love this sort of thing.","start":2245.59,"end":2246.9502,"sentiment":"positive","sentiment_score":0.5678980095045907},{"text":"And like I said, I've got three kids.","start":2246.9502,"end":2248.805,"sentiment":"neutral","sentiment_score":0.2479113321751356},{"text":"I've got my eldest who are 19 and 20.","start":2248.805,"end":2251.365,"sentiment":"neutral","sentiment_score":0.23335174057218763}],"sentiment":"neutral","sentiment_score":0.251585302629361,"num_words":38,"start":2239.27,"end":2251.365},{"sentences":[{"text":"They're getting their first jobs and opening food for an investing and and building for their future.","start":2251.365,"end":2256.345,"sentiment":"positive","sentiment_score":0.36655625613296733},{"text":"And then my youngest is 10, so he's still at school.","start":2256.565,"end":2259.285,"sentiment":"neutral","sentiment_score":0.1730366809801622},{"text":"But, I mean, these are sort of things that they don't learn in the school system, so it's the sort of things we don't learn until we later in life.","start":2259.285,"end":2266.4,"sentiment":"neutral","sentiment_score":0.0016949688627695043},{"text":"And a lot of people never learn any of this information.","start":2266.4,"end":2269.06,"sentiment":"neutral","sentiment_score":0.05184022303331982},{"text":"So part of what I love about my job is that I get to educate people.","start":2269.2,"end":2273.46,"sentiment":"positive","sentiment_score":0.6740895118564367}],"sentiment":"neutral","sentiment_score":0.22989863004699787,"num_words":85,"start":2251.365,"end":2273.46},{"sentences":[{"text":"So you don't have to go to uni and have a $40,000 hack debt to be able to understand how these things work.","start":2273.68,"end":2279.685,"sentiment":"positive","sentiment_score":0.4272198391997296},{"text":"You know, it's about making sure that we can pass on that knowledge and help you essentially understand how things are working and how markets grow and how risk is not always a bad thing as long as you're at an age where you can withstand certain types of risk, essentially.","start":2280.305,"end":2295.69,"sentiment":"neutral","sentiment_score":0.13854996487498283},{"text":"So yeah.","start":2296.15,"end":2299.3499,"sentiment":"neutral","sentiment_score":0.0007772529497742644},{"text":"But this is just a lot.","start":2299.3499,"end":2300.8699,"sentiment":"neutral","sentiment_score":-0.014437385524312655},{"text":"This document, I get that.","start":2300.8699,"end":2302.41,"sentiment":"neutral","sentiment_score":0.05156626775860786}],"sentiment":"neutral","sentiment_score":0.19614788553752432,"num_words":87,"start":2273.68,"end":2302.41},{"sentences":[{"text":"Essentially, it is just showing you the different investments.","start":2302.8699,"end":2306.255,"sentiment":"neutral","sentiment_score":0.08007716553078757},{"text":"So remember before when I talked about being 70% in those growth, higher risk investments within your sort of portfolio or your environment?","start":2306.315,"end":2313.775,"sentiment":"neutral","sentiment_score":0.05226952031902645},{"text":"Yep.","start":2315.595,"end":2315.85,"sentiment":"neutral","sentiment_score":0.033544108271598816},{"text":"So those essentially are on the side here.","start":2315.9302,"end":2317.85,"sentiment":"neutral","sentiment_score":0.04377921996638179},{"text":"You've got US shares, Australian shares, international shares, and listed property.","start":2317.85,"end":2322.27,"sentiment":"neutral","sentiment_score":0.06530574743043292}],"sentiment":"neutral","sentiment_score":0.05817374128561754,"num_words":52,"start":2302.8699,"end":2322.27},{"sentences":[{"text":"Those are growth investments, and you can see why they're considered growth investments.","start":2322.57,"end":2326.57,"sentiment":"neutral","sentiment_score":0.21250212307159716},{"text":"They get a really good rate of return.","start":2326.57,"end":2328.59,"sentiment":"positive","sentiment_score":0.4461078606545925},{"text":"The US shares, as an example, over the last thirty years, has averaged a 10.80% return compounded, which is great.","start":2329.285,"end":2337.945,"sentiment":"neutral","sentiment_score":0.16630034148693085},{"text":"But you can also see that it had some very ups and downs, and that's where markets make a lot of people very nervous.","start":2338.885,"end":2346.0398,"sentiment":"negative","sentiment_score":-0.4311572816222906},{"text":"We sort of see when the market is going down, that is definitely illuminated in the world.","start":2346.74,"end":2352.98,"sentiment":"neutral","sentiment_score":-0.30227408251341653}],"sentiment":"neutral","sentiment_score":-0.07108581520435286,"num_words":82,"start":2322.57,"end":2352.98},{"sentences":[{"text":"It's on every TV news page, and on the podcast.","start":2352.98,"end":2356.035,"sentiment":"neutral","sentiment_score":-0.07762648500502109},{"text":"Everyone talks about it.","start":2356.175,"end":2358.2551,"sentiment":"neutral","sentiment_score":-0.09619256854057312},{"text":"And then when the markets are doing well, we don't hear as much.","start":2358.2551,"end":2361.715,"sentiment":"negative","sentiment_score":-0.35330693079875064},{"text":"So it's very much a fear mongering world that we're in.","start":2361.935,"end":2364.995,"sentiment":"negative","sentiment_score":-0.5492656447670676},{"text":"But what we sort of wanna make sure is that you're in a risk profile and you're invested in your super in a way that you're getting growth and compounding that and working that forward, but that you're also in a level of risk that you're comfortable with because there is always a downside.","start":2365.215,"end":2380.75,"sentiment":"neutral","sentiment_score":-0.07307453981290261}],"sentiment":"neutral","sentiment_score":-0.17110839637968203,"num_words":92,"start":2352.98,"end":2380.75},{"sentences":[{"text":"And we just wanna make sure when the portfolio is down, when the markets are down, that you're able to stay in that portfolio, wade through that downtime, and then come out the other side before you're gonna access your super.","start":2381.495,"end":2394.075,"sentiment":"neutral","sentiment_score":-0.08823713439902882},{"text":"That's essentially what we wanna see and how we see risk and why we kind of do things the way we do, essentially.","start":2394.5798,"end":2400.3599,"sentiment":"neutral","sentiment_score":0.058620598734073014},{"text":"Okay?","start":2400.9,"end":2401.4,"sentiment":"neutral","sentiment_score":0.11661554127931596},{"text":"Beautiful.","start":2402.66,"end":2403.16,"sentiment":"positive","sentiment_score":0.6501768231391907},{"text":"The next document along is your certificate of currency, which outlines more about your insurance policy.","start":2404.8198,"end":2410.605,"sentiment":"neutral","sentiment_score":0.20907416753470898}],"sentiment":"neutral","sentiment_score":0.022469881774357905,"num_words":82,"start":2381.495,"end":2410.605},{"sentences":[{"text":"So I'll add this into the email afterwards for you just so you can kind of see everything, and then you're able to talk to Aaron and kind of break it all down and make it easier.","start":2410.605,"end":2418.7048,"sentiment":"neutral","sentiment_score":0.20871496804662654},{"text":"Okay.","start":2418.9248,"end":2419.4248,"sentiment":"neutral","sentiment_score":0.17295701801776886},{"text":"Excellent.","start":2420.6848,"end":2421.1848,"sentiment":"positive","sentiment_score":0.5779922008514404},{"text":"The next one along from that is the OP Financial Services guide.","start":2421.5498,"end":2425.15,"sentiment":"neutral","sentiment_score":0.24529114365577698},{"text":"It lines everything about who we are, what we do, and how we do it.","start":2425.15,"end":2429.17,"sentiment":"neutral","sentiment_score":0.20096962650616965}],"sentiment":"neutral","sentiment_score":0.21865819936448877,"num_words":66,"start":2410.605,"end":2429.17},{"sentences":[{"text":"It essentially just runs you through everything about us.","start":2429.63,"end":2432.19,"sentiment":"neutral","sentiment_score":0.18791649242242178},{"text":"It's got all my licensing information there because I'm a licensed adviser and registered with there as well for you.","start":2432.19,"end":2438.2249,"sentiment":"neutral","sentiment_score":0.16492442190647125},{"text":"Okay?","start":2438.285,"end":2438.785,"sentiment":"neutral","sentiment_score":0.07048065960407257},{"text":"And then we've also got the ongoing service agreement, which is the document attached there.","start":2440.525,"end":2445.505,"sentiment":"neutral","sentiment_score":0.09829316486914953},{"text":"That's essentially outlining the fee structure for being an ongoing client with us.","start":2445.6448,"end":2449.65,"sentiment":"neutral","sentiment_score":0.11544497081866631}],"sentiment":"neutral","sentiment_score":0.13854137281405515,"num_words":58,"start":2429.63,"end":2449.65},{"sentences":[{"text":"As you said, and our and our clients, we do charge an ongoing service fee.","start":2450.5298,"end":2454.45,"sentiment":"neutral","sentiment_score":0.08058616369962693},{"text":"You're both on 1.10% currently, and that's the coupling fee.","start":2454.45,"end":2458.8499,"sentiment":"neutral","sentiment_score":0.0703569382429123},{"text":"So our ongoing service fee is only at 1.65%.","start":2458.8499,"end":2462.0698,"sentiment":"neutral","sentiment_score":0.08329824109872182},{"text":"We've reduced it as your clients, making sure that we're looking after both of you.","start":2462.3699,"end":2466.5752,"sentiment":"neutral","sentiment_score":0.1966067761182785},{"text":"That fee structure could change down the track, but for now, that's essentially what we're charging for our services.","start":2466.875,"end":2471.615,"sentiment":"neutral","sentiment_score":0.08376139147501242}],"sentiment":"neutral","sentiment_score":0.10592079540605054,"num_words":68,"start":2450.5298,"end":2471.615},{"sentences":[{"text":"That 1.10% is that's a year, and it's deducted in smaller monthly increments out of your super, and that's essentially allowing us to provide our services, keep looking after your super.","start":2472.715,"end":2484.1099,"sentiment":"neutral","sentiment_score":0.2801103827453429},{"text":"And it also includes advice.","start":2484.1099,"end":2485.8098,"sentiment":"neutral","sentiment_score":0.12266206964850426},{"text":"So that implementation fee that you paid initially to come on board, we will never charge that again for advice around super insurances.","start":2485.8699,"end":2493.035,"sentiment":"neutral","sentiment_score":0.18692865060723346},{"text":"That's all included in the ongoing services phase with yeah.","start":2493.655,"end":2497.095,"sentiment":"neutral","sentiment_score":0.30967788994312284},{"text":"And we'll provide advice as often as we have to to help you along, and there's no additional fees for that advice, essentially.","start":2497.095,"end":2503.38,"sentiment":"neutral","sentiment_score":0.2991019545689873}],"sentiment":"neutral","sentiment_score":0.25621972860687453,"num_words":92,"start":2472.715,"end":2503.38},{"sentences":[{"text":"Does that make sense?","start":2503.38,"end":2504.52,"sentiment":"neutral","sentiment_score":0.1634633019566536},{"text":"Yes.","start":2506.0999,"end":2506.5798,"sentiment":"positive","sentiment_score":0.3727279305458069},{"text":"Beautiful.","start":2506.5798,"end":2507.0798,"sentiment":"positive","sentiment_score":0.6581465601921082},{"text":"Do you have any questions about any of those documents, the ongoing service agreement, or anything around that?","start":2507.14,"end":2512.44,"sentiment":"neutral","sentiment_score":0.1257652679665221},{"text":"No.","start":2516.26,"end":2516.5,"sentiment":"neutral","sentiment_score":-0.2568104863166809}],"sentiment":"neutral","sentiment_score":0.14766768142580985,"num_words":25,"start":2503.38,"end":2516.5},{"sentences":[{"text":"That's okay.","start":2516.5,"end":2517.4,"sentiment":"neutral","sentiment_score":-0.2914881259202957},{"text":"That's alright.","start":2518.415,"end":2519.135,"sentiment":"neutral","sentiment_score":0.1023378074169159},{"text":"Look, you are welcome to go back and have a read of those documents there.","start":2519.135,"end":2522.355,"sentiment":"neutral","sentiment_score":0.23670599708954493},{"text":"I do ask that we do get you to sign and return that back to remain as a client, so we can look after things and do the research and provide the updated adviser for you.","start":2522.4949,"end":2530.95,"sentiment":"neutral","sentiment_score":0.14519460851119625},{"text":"And if you decide to that's okay.","start":2531.3499,"end":2535.19,"sentiment":"neutral","sentiment_score":0.05450383573770523}],"sentiment":"neutral","sentiment_score":0.14162616251457122,"num_words":62,"start":2516.5,"end":2535.19},{"sentences":[{"text":"You're fine.","start":2535.19,"end":2536.01,"sentiment":"neutral","sentiment_score":0.11450736969709396},{"text":"That's okay.","start":2540.71,"end":2541.53,"sentiment":"neutral","sentiment_score":0.0017891013994812965},{"text":"Did you wanna do a website?","start":2559.03,"end":2560.3098,"sentiment":"neutral","sentiment_score":0.01889892853796482},{"text":"Did you is it because we normally just as part of this, you just sign it electronically and it comes back to us.","start":2560.3098,"end":2566.0898,"sentiment":"neutral","sentiment_score":0.041242759917741234},{"text":"That's okay.","start":2568.7349,"end":2569.395,"sentiment":"neutral","sentiment_score":-0.01935928873717785}],"sentiment":"neutral","sentiment_score":0.035881468972989494,"num_words":35,"start":2535.19,"end":2569.395},{"sentences":[{"text":"No.","start":2572.095,"end":2572.335,"sentiment":"neutral","sentiment_score":-0.0944337323307991},{"text":"That's that's alright.","start":2572.335,"end":2573.375,"sentiment":"neutral","sentiment_score":-0.017647058392564457},{"text":"If you go to the bottom of the document there, is it giving you an option to sign or does it say click to sign?","start":2573.375,"end":2578.9148,"sentiment":"neutral","sentiment_score":-0.0007855430990457535},{"text":"Or if you go to the bottom page of that document, it should have a signature section.","start":2578.9749,"end":2582.4148,"sentiment":"neutral","sentiment_score":-0.000983962624826852},{"text":"Can you see that at all?","start":2582.4148,"end":2583.63,"sentiment":"neutral","sentiment_score":-0.0017453255131840712}],"sentiment":"neutral","sentiment_score":-0.0037348615901114848,"num_words":52,"start":2572.095,"end":2583.63},{"sentences":[{"text":"Yep.","start":2585.5498,"end":2586.0498,"sentiment":"neutral","sentiment_score":-0.03134022653102875},{"text":"Generally, if you just click on that button, it'll pre populate a signature.","start":2586.19,"end":2589.89,"sentiment":"neutral","sentiment_score":-0.07367419164914352},{"text":"Oh, that's very weird.","start":2595.3098,"end":2596.8499,"sentiment":"neutral","sentiment_score":-0.32755959033966064},{"text":"Very weird.","start":2596.91,"end":2597.475,"sentiment":"neutral","sentiment_score":-0.29986874759197235},{"text":"If my team that's okay.","start":2598.995,"end":2603.475,"sentiment":"neutral","sentiment_score":-0.09174989834427834}],"sentiment":"neutral","sentiment_score":-0.13431320264935492,"num_words":25,"start":2585.5498,"end":2603.475},{"sentences":[{"text":"Did you prefer if we emailed it out to you for you to maybe print, sign, and then scan back to us or post it out?","start":2603.475,"end":2610.5952,"sentiment":"neutral","sentiment_score":0.05644728250515003},{"text":"How would be easier?","start":2610.5952,"end":2611.655,"sentiment":"neutral","sentiment_score":0.13032341748476028},{"text":"Yeah.","start":2622.3499,"end":2622.83,"sentiment":"neutral","sentiment_score":0.03719644248485565},{"text":"We normally send everything kind of electronically signed.","start":2622.83,"end":2626.6099,"sentiment":"neutral","sentiment_score":0.03985158912837505},{"text":"And yeah.","start":2628.8052,"end":2629.385,"sentiment":"neutral","sentiment_score":0.056810518726706505}],"sentiment":"neutral","sentiment_score":0.05996471239117587,"num_words":41,"start":2603.475,"end":2629.385},{"sentences":[{"text":"Because Ode is the the normal way that we have everything sort of electronically signed.","start":2629.7651,"end":2634.5852,"sentiment":"neutral","sentiment_score":0.036967567106088},{"text":"But normally, when you press that button, click the satellite, it goes through all the documents.","start":2635.0452,"end":2638.885,"sentiment":"neutral","sentiment_score":0.03314931702334434},{"text":"And then when you get to the bottom, there's sign here button, or you can click on the signature button and automatically sign it.","start":2638.885,"end":2645.39,"sentiment":"neutral","sentiment_score":0.019951344234868884},{"text":"Worst case, you'd always just yeah.","start":2645.69,"end":2647.79,"sentiment":"neutral","sentiment_score":-0.14531408126155534},{"text":"Interesting.","start":2649.69,"end":2650.19,"sentiment":"neutral","sentiment_score":-0.01614118367433548}],"sentiment":"neutral","sentiment_score":0.010898534989645403,"num_words":62,"start":2629.7651,"end":2650.19},{"sentences":[{"text":"You could always just when Aaron gets home, ask him to give you a hand.","start":2650.73,"end":2653.85,"sentiment":"neutral","sentiment_score":-0.014486816215018431},{"text":"Sorry.","start":2653.85,"end":2654.25,"sentiment":"neutral","sentiment_score":-0.04272328317165375},{"text":"Right.","start":2654.25,"end":2654.75,"sentiment":"neutral","sentiment_score":-0.012805731035768986},{"text":"Yeah.","start":2657.7249,"end":2657.805,"sentiment":"neutral","sentiment_score":-0.030614253133535385},{"text":"You're right.","start":2657.805,"end":2658.785,"sentiment":"neutral","sentiment_score":-0.10532407462596893}],"sentiment":"neutral","sentiment_score":-0.025704682990908622,"num_words":20,"start":2650.73,"end":2658.785},{"sentences":[{"text":"No.","start":2660.445,"end":2660.765,"sentiment":"neutral","sentiment_score":-0.1057414412498474},{"text":"That's honestly fine.","start":2660.765,"end":2662.145,"sentiment":"neutral","sentiment_score":-0.06898882240056992},{"text":"If not yeah.","start":2662.285,"end":2665.265,"sentiment":"neutral","sentiment_score":-0.05219540993372599},{"text":"Not happening.","start":2670.925,"end":2671.7449,"sentiment":"neutral","sentiment_score":-0.07004594057798386},{"text":"That's okay.","start":2673.71,"end":2674.5898,"sentiment":"neutral","sentiment_score":0.16842615604400635}],"sentiment":"neutral","sentiment_score":-0.024775791574608196,"num_words":11,"start":2660.445,"end":2674.5898},{"sentences":[{"text":"I can also get one of my team to give you a buzz later if you like to kinda give you a little bit of help with the signing process.","start":2674.5898,"end":2679.95,"sentiment":"neutral","sentiment_score":0.2567270693679651},{"text":"It's not a problem at all.","start":2679.95,"end":2681.3298,"sentiment":"neutral","sentiment_score":0.31754012902577716},{"text":"Or we can email that for you to put in sign and return.","start":2681.71,"end":2684.6099,"sentiment":"neutral","sentiment_score":0.31233142201717085},{"text":"More than happy to work in with your comfort level.","start":2684.91,"end":2687.0698,"sentiment":"positive","sentiment_score":0.56373932659626},{"text":"That's absolutely fine.","start":2687.0698,"end":2688.3699,"sentiment":"positive","sentiment_score":0.5163920521736145}],"sentiment":"positive","sentiment_score":0.3363537219983916,"num_words":62,"start":2674.5898,"end":2688.3699},{"sentences":[{"text":"Okay.","start":2688.855,"end":2689.355,"sentiment":"neutral","sentiment_score":0.04459529370069504},{"text":"Yep.","start":2690.935,"end":2691.435,"sentiment":"neutral","sentiment_score":0.05131981894373894},{"text":"Yep.","start":2695.415,"end":2695.915,"sentiment":"neutral","sentiment_score":0.027842653915286064},{"text":"All good.","start":2697.895,"end":2698.635,"sentiment":"neutral","sentiment_score":0.28969745337963104},{"text":"Yeah.","start":2699.575,"end":2699.975,"sentiment":"neutral","sentiment_score":0.19447609782218933}],"sentiment":"neutral","sentiment_score":0.14960479519019523,"num_words":6,"start":2688.855,"end":2699.975},{"sentences":[{"text":"Perfect.","start":2699.975,"end":2700.375,"sentiment":"positive","sentiment_score":0.5849353075027466},{"text":"If you get stuck, let us know.","start":2700.375,"end":2701.815,"sentiment":"neutral","sentiment_score":0.03738501614757946},{"text":"That's not a problem at all.","start":2701.815,"end":2703.435,"sentiment":"neutral","sentiment_score":0.1229556364317735},{"text":"The last thing I just wanted to sort of touch on is just reevaluating a couple of small things.","start":2703.99,"end":2709.1301,"sentiment":"neutral","sentiment_score":0.035956992326598415},{"text":"With your goal of accessing super at, hopefully, the age of 60, how is expenditure within the household at the moment?","start":2709.75,"end":2717.35,"sentiment":"neutral","sentiment_score":0.04215822058419386}],"sentiment":"neutral","sentiment_score":0.05838647639999787,"num_words":54,"start":2699.975,"end":2717.35},{"sentences":[{"text":"Do you feel that you would be willing or okay to make additional contributions to suit that it helps your balance grow a little bit faster, or is that not something you guys have the the money for at the moment?","start":2717.35,"end":2728.605,"sentiment":"neutral","sentiment_score":0.048329002564636674},{"text":"Expenses are a bit tight.","start":2728.605,"end":2729.6448,"sentiment":"neutral","sentiment_score":-0.17386825680732726},{"text":"How do you feel about that?","start":2729.6448,"end":2731.025,"sentiment":"neutral","sentiment_score":-0.08822130660216014},{"text":"Yes.","start":2743.7,"end":2744.2,"sentiment":"neutral","sentiment_score":-0.010143164545297624},{"text":"Yes.","start":2753.605,"end":2754.105,"sentiment":"neutral","sentiment_score":-0.02408730983734131}],"sentiment":"neutral","sentiment_score":0.010159064946627175,"num_words":54,"start":2717.35,"end":2754.105},{"sentences":[{"text":"So that that's okay.","start":2754.8052,"end":2756.085,"sentiment":"neutral","sentiment_score":-0.029953773133456707},{"text":"We can always hold off and do that down the track.","start":2756.085,"end":2758.3252,"sentiment":"neutral","sentiment_score":0.024404726245186546},{"text":"That's not a problem.","start":2758.3252,"end":2759.465,"sentiment":"neutral","sentiment_score":0.2044786512851715},{"text":"That's okay.","start":2762.75,"end":2763.47,"sentiment":"neutral","sentiment_score":0.26622121781110764},{"text":"Beautiful.","start":2763.47,"end":2763.97,"sentiment":"positive","sentiment_score":0.6645230650901794}],"sentiment":"neutral","sentiment_score":0.09834168190983208,"num_words":22,"start":2754.8052,"end":2763.97},{"sentences":[{"text":"Excellent.","start":2764.67,"end":2765.17,"sentiment":"positive","sentiment_score":0.6461443901062012},{"text":"And just with the beneficiary side of things, just confirming that you wanted your beneficiary set up so everything is paid to Aaron in the event that something happens.","start":2766.03,"end":2774.03,"sentiment":"neutral","sentiment_score":0.2287479366721778},{"text":"Is that right?","start":2774.03,"end":2774.8499,"sentiment":"neutral","sentiment_score":0.14872229595979056},{"text":"Yep.","start":2776.595,"end":2776.9949,"sentiment":"neutral","sentiment_score":0.1890732944011688},{"text":"Beautiful.","start":2776.9949,"end":2777.4749,"sentiment":"neutral","sentiment_score":0.32112589478492737}],"sentiment":"neutral","sentiment_score":0.23532001801899502,"num_words":35,"start":2764.67,"end":2777.4749},{"sentences":[{"text":"And have you guys ever done up a will or power of attorney or a state planning documents or seen a solicitor?","start":2777.4749,"end":2782.935,"sentiment":"neutral","sentiment_score":0.05340937228704041},{"text":"Yeah.","start":2783.875,"end":2784.375,"sentiment":"neutral","sentiment_score":0.008502423763275146},{"text":"That's okay.","start":2785.875,"end":2786.6948,"sentiment":"neutral","sentiment_score":-0.012025333009660244},{"text":"Yeah.","start":2789.6802,"end":2790.1802,"sentiment":"neutral","sentiment_score":-0.03325434774160385},{"text":"Yeah.","start":2793.28,"end":2793.78,"sentiment":"neutral","sentiment_score":-0.03862254321575165}],"sentiment":"neutral","sentiment_score":0.04028077989264771,"num_words":27,"start":2777.4749,"end":2793.78},{"sentences":[{"text":"That's okay.","start":2796.1602,"end":2796.9802,"sentiment":"neutral","sentiment_score":-0.11153192818164825},{"text":"Yeah.","start":2801.4402,"end":2801.9402,"sentiment":"neutral","sentiment_score":-0.021153271198272705},{"text":"No.","start":2802.725,"end":2803.045,"sentiment":"neutral","sentiment_score":-0.08733659237623215},{"text":"Completely understandable.","start":2803.045,"end":2804.185,"sentiment":"neutral","sentiment_score":-0.05874366872012616},{"text":"That's right.","start":2805.525,"end":2806.085,"sentiment":"neutral","sentiment_score":0.03517741896212101}],"sentiment":"neutral","sentiment_score":-0.047335777431726456,"num_words":8,"start":2796.1602,"end":2806.085},{"sentences":[{"text":"Inside of that email, if you like yes.","start":2806.085,"end":2809.145,"sentiment":"neutral","sentiment_score":0.03287971974350512},{"text":"Absolutely.","start":2809.445,"end":2809.945,"sentiment":"neutral","sentiment_score":0.012450076639652252},{"text":"And and guardian, if you're also part of that, just making sure if something happened to the two of you, what happens to the children, how they're looked after, you know, who they go to.","start":2810.165,"end":2818.6401,"sentiment":"neutral","sentiment_score":0.01434983778744936},{"text":"All those things are very important to think about as well.","start":2818.6401,"end":2821.4602,"sentiment":"neutral","sentiment_score":0.046141866255890236},{"text":"But to kinda make it a bit easier on you, as part of that email, I can draft up a bit of an estate planning email as well with a couple of different options on how you can do a will kit as easily as possible for you guys.","start":2821.9202,"end":2833.465,"sentiment":"neutral","sentiment_score":0.14578454333300495}],"sentiment":"neutral","sentiment_score":0.08104553182000437,"num_words":104,"start":2806.085,"end":2833.465},{"sentences":[{"text":"So you can kind of talk it through and maybe start that conversation.","start":2833.465,"end":2837.4849,"sentiment":"neutral","sentiment_score":0.11739673350866024},{"text":"How does that sound?","start":2837.705,"end":2838.765,"sentiment":"neutral","sentiment_score":0.06723914574831724},{"text":"Yep.","start":2840.7449,"end":2841.065,"sentiment":"positive","sentiment_score":0.4348154962062836},{"text":"Beautiful.","start":2841.065,"end":2841.565,"sentiment":"positive","sentiment_score":0.6204366683959961},{"text":"Excellent.","start":2841.625,"end":2842.125,"sentiment":"positive","sentiment_score":0.5426434278488159}],"sentiment":"neutral","sentiment_score":0.1696504855528474,"num_words":20,"start":2833.465,"end":2842.125},{"sentences":[{"text":"I'll pop all that in a bit of an email, try to break it down for you, and that way you've got something just a bit of a starting point to make it easier.","start":2842.505,"end":2849.53,"sentiment":"neutral","sentiment_score":0.0920554397846846},{"text":"Excellent.","start":2849.75,"end":2850.25,"sentiment":"positive","sentiment_score":0.43109866976737976},{"text":"The last the last okay.","start":2852.15,"end":2853.99,"sentiment":"neutral","sentiment_score":0.0886197715997696},{"text":"It's what I'm here for if you ever have questions, you're unsure about anything, you need clarification, you let me know.","start":2853.99,"end":2859.59,"sentiment":"neutral","sentiment_score":0.10529180545182455},{"text":"I will always make time to call, or you can ask me by email, and I'll follow-up.","start":2859.59,"end":2863.425,"sentiment":"neutral","sentiment_score":0.0911750342039501}],"sentiment":"neutral","sentiment_score":0.09955366636411501,"num_words":78,"start":2842.505,"end":2863.425},{"sentences":[{"text":"Not a problem at all.","start":2863.5051,"end":2864.385,"sentiment":"neutral","sentiment_score":0.13536572307348252},{"text":"So I'm here for you.","start":2864.385,"end":2865.185,"sentiment":"neutral","sentiment_score":0.08527006655931473},{"text":"Now for you to use it to your extent.","start":2865.185,"end":2866.885,"sentiment":"neutral","sentiment_score":0.11034874038563834},{"text":"That's alright.","start":2869.2651,"end":2870.0051,"sentiment":"neutral","sentiment_score":0.13119305670261383},{"text":"The last thing is not attached.","start":2870.705,"end":2872.245,"sentiment":"neutral","sentiment_score":-0.03535871704419454}],"sentiment":"neutral","sentiment_score":0.07950190454721451,"num_words":27,"start":2863.5051,"end":2872.245},{"sentences":[{"text":"Sorry.","start":2872.465,"end":2872.965,"sentiment":"neutral","sentiment_score":-0.06046345084905624},{"text":"Yes.","start":2876.705,"end":2877.15,"sentiment":"neutral","sentiment_score":0.007289801724255085},{"text":"No.","start":2886.27,"end":2886.51,"sentiment":"neutral","sentiment_score":-0.05160985141992569},{"text":"Well, if did you want us to organize an introduction?","start":2886.51,"end":2892.805,"sentiment":"neutral","sentiment_score":0.001481272280216217},{"text":"Or is she happy is, like, did you wanna sort of give us the information?","start":2892.865,"end":2895.905,"sentiment":"neutral","sentiment_score":0.03947716330488523}],"sentiment":"neutral","sentiment_score":0.017935238279668347,"num_words":28,"start":2872.465,"end":2895.905},{"sentences":[{"text":"I can organize someone to call and sort of give them an idea of what financial advice is and how it works.","start":2895.905,"end":2900.645,"sentiment":"neutral","sentiment_score":0.07217331399971788},{"text":"Yeah.","start":2906.5798,"end":2906.98,"sentiment":"neutral","sentiment_score":0.07513988763093948},{"text":"Yeah.","start":2906.98,"end":2907.2998,"sentiment":"neutral","sentiment_score":0.11292894929647446},{"text":"Absolutely.","start":2907.2998,"end":2907.7998,"sentiment":"neutral","sentiment_score":0.15513604879379272},{"text":"Yep.","start":2908.5,"end":2908.8198,"sentiment":"neutral","sentiment_score":0.15152129530906677}],"sentiment":"neutral","sentiment_score":0.08009765727015641,"num_words":26,"start":2895.905,"end":2908.8198},{"sentences":[{"text":"Perfect.","start":2908.8198,"end":2909.3198,"sentiment":"positive","sentiment_score":0.3472645878791809},{"text":"It can be with any one of the advisers.","start":2909.7798,"end":2911.96,"sentiment":"neutral","sentiment_score":0.09216486704018381},{"text":"If you prefer it with me, that's absolutely fine.","start":2912.0198,"end":2914.5198,"sentiment":"neutral","sentiment_score":0.29450060261620414},{"text":"It's more just the referral side of things, and we do have a referral program.","start":2914.98,"end":2918.5798,"sentiment":"neutral","sentiment_score":0.3219285468260447},{"text":"So if your friend decides to take on the advice to come on board as a client, we do send you a $100 gift card as a bit of a thank you.","start":2918.5798,"end":2925.575,"sentiment":"positive","sentiment_score":0.42254001181572676}],"sentiment":"positive","sentiment_score":0.3360221575042515,"num_words":66,"start":2908.8198,"end":2925.575},{"sentences":[{"text":"So there's always that option, but I'll put the in that information in the email for you.","start":2925.575,"end":2931.03,"sentiment":"neutral","sentiment_score":0.060179108863367754},{"text":"No.","start":2936.79,"end":2937.29,"sentiment":"neutral","sentiment_score":0.08845043927431107},{"text":"Perfect.","start":2937.59,"end":2938.09,"sentiment":"positive","sentiment_score":0.41496214270591736},{"text":"That's not a problem.","start":2938.55,"end":2939.59,"sentiment":"positive","sentiment_score":0.4102768152952194},{"text":"I'll absolutely put that in the email for you as well, and you can just reply back with the details, and then I can organize the instruction call.","start":2939.59,"end":2946.6501,"sentiment":"neutral","sentiment_score":0.21614267703677928}],"sentiment":"neutral","sentiment_score":0.1807756794287878,"num_words":51,"start":2925.575,"end":2946.6501},{"sentences":[{"text":"If you just find out from them when's more comfortable for us to give them a call, that way we can make it at a more appropriate time for them, and then we can touch base if you prefer to maybe kinda bring them on board if you're comfortable with me being the adviser.","start":2946.945,"end":2960.965,"sentiment":"neutral","sentiment_score":0.14790874843796095},{"text":"It's fine if you just don't mind if any adviser in the firm.","start":2961.33,"end":2964.31,"sentiment":"neutral","sentiment_score":0.09079960676339957},{"text":"Our admin team will touch base and and you want to find beautiful.","start":2964.77,"end":2968.3901,"sentiment":"neutral","sentiment_score":0.1196888882953387},{"text":"Our admin team will touch base and organize it.","start":2969.09,"end":2972.07,"sentiment":"neutral","sentiment_score":0.08558470590247048},{"text":"Yeah.","start":2987.105,"end":2987.605,"sentiment":"neutral","sentiment_score":0.08849697560071945}],"sentiment":"neutral","sentiment_score":0.12869091311262715,"num_words":90,"start":2946.945,"end":2987.605},{"sentences":[{"text":"Beautiful.","start":2996.3699,"end":2996.8699,"sentiment":"positive","sentiment_score":0.5483846664428711},{"text":"Fantastic.","start":2997.41,"end":2997.91,"sentiment":"positive","sentiment_score":0.6104879975318909},{"text":"Well, thank you for that conversation.","start":2998.29,"end":2999.91,"sentiment":"positive","sentiment_score":0.5250845154126486},{"text":"I really appreciate it.","start":2999.97,"end":3001.01,"sentiment":"positive","sentiment_score":0.6169776320457458},{"text":"We wanna help as many people as possible, obviously.","start":3001.01,"end":3003.815,"sentiment":"positive","sentiment_score":0.34759889708624947}],"sentiment":"positive","sentiment_score":0.47169906468618483,"num_words":21,"start":2996.3699,"end":3003.815},{"sentences":[{"text":"You know, we all work very, very hard, and retirement isn't something that everyone's prepared for.","start":3004.355,"end":3008.995,"sentiment":"neutral","sentiment_score":0.08967038337141275},{"text":"And it's important that everyone has as much guidance as possible, and that's what we're here for.","start":3008.995,"end":3013.395,"sentiment":"neutral","sentiment_score":0.21959090189022176},{"text":"That's what we wanna do.","start":3013.395,"end":3014.275,"sentiment":"positive","sentiment_score":0.3713367223739624},{"text":"And one of the things I love about this, a, is the educational value, but the other side of it is we are working in the best interest.","start":3014.275,"end":3021.15,"sentiment":"positive","sentiment_score":0.4514369363231318},{"text":"So we'll always put your needs above that of our own of our company.","start":3021.15,"end":3025.65,"sentiment":"neutral","sentiment_score":0.33142052377973286}],"sentiment":"neutral","sentiment_score":0.3038072078488767,"num_words":80,"start":3004.355,"end":3025.65},{"sentences":[{"text":"So we always put yeah.","start":3025.71,"end":3027.47,"sentiment":"neutral","sentiment_score":0.2554280996322632},{"text":"We work under your best interest in making sure that we put your goals and your needs above that of everything else.","start":3027.47,"end":3032.405,"sentiment":"neutral","sentiment_score":0.3264951766891913},{"text":"That's really important to us here as well.","start":3032.405,"end":3034.5051,"sentiment":"neutral","sentiment_score":0.21005167439579964},{"text":"Okay.","start":3035.925,"end":3036.325,"sentiment":"neutral","sentiment_score":0.30378028750419617},{"text":"That's okay.","start":3036.325,"end":3037.225,"sentiment":"neutral","sentiment_score":0.26051419973373413}],"sentiment":"neutral","sentiment_score":0.28855938072267334,"num_words":38,"start":3025.71,"end":3037.225},{"sentences":[{"text":"The last thing I just wanted to sort of go through was a quick response just to sort of gauge whether the action change your portfolio or your risk tolerance, essentially.","start":3037.445,"end":3047.03,"sentiment":"neutral","sentiment_score":0.03211840061891463},{"text":"I only have two questions, and it's essentially okay if you're not really sure on how you might react.","start":3047.49,"end":3053.1702,"sentiment":"neutral","sentiment_score":0.026459699398592898},{"text":"But if you saw, say, the market took a big dip and we saw your super fall by 20% in the next, say, six to twelve months, How do you think you might feel?","start":3053.1702,"end":3063.085,"sentiment":"neutral","sentiment_score":-0.03485267488833736},{"text":"Are you probably excited it's a buying opportunity?","start":3063.545,"end":3066.525,"sentiment":"neutral","sentiment_score":0.1269504427909851},{"text":"Wanna put some more money into the market?","start":3066.585,"end":3068.665,"sentiment":"neutral","sentiment_score":0.03178068622946739}],"sentiment":"neutral","sentiment_score":0.015832627937197686,"num_words":100,"start":3037.445,"end":3068.665},{"sentences":[{"text":"Are you a bit concerned?","start":3068.665,"end":3070.4448,"sentiment":"neutral","sentiment_score":-0.07424758821725845},{"text":"You might call us and see what we suggest you do, or are you very nervous and wanting to sell your investment to cash?","start":3070.585,"end":3077.72,"sentiment":"neutral","sentiment_score":-0.07740874425508082},{"text":"How do you where do you think you might fit?","start":3077.94,"end":3079.88,"sentiment":"neutral","sentiment_score":-0.0295777989551425},{"text":"Yeah.","start":3083.7,"end":3084.0999,"sentiment":"neutral","sentiment_score":0.16787508130073547},{"text":"Perfect.","start":3084.0999,"end":3084.5999,"sentiment":"positive","sentiment_score":0.3676650524139404}],"sentiment":"neutral","sentiment_score":-0.048519162415731246,"num_words":41,"start":3068.665,"end":3084.5999},{"sentences":[{"text":"Good answer.","start":3084.74,"end":3085.56,"sentiment":"neutral","sentiment_score":0.31027011573314667},{"text":"Absolutely.","start":3087.46,"end":3087.96,"sentiment":"neutral","sentiment_score":0.23566335439682007},{"text":"And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get greater potential returns knowing there's also a downside?","start":3089.6199,"end":3103.215,"sentiment":"neutral","sentiment_score":0.0010573179215977067},{"text":"Are you comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you happy or comfortable with a lower level of risk?","start":3103.915,"end":3113.5898,"sentiment":"neutral","sentiment_score":-0.009904745125001477},{"text":"Yep.","start":3118.93,"end":3119.43,"sentiment":"neutral","sentiment_score":-0.012369289062917233}],"sentiment":"neutral","sentiment_score":0.00790363395816251,"num_words":73,"start":3084.74,"end":3119.43},{"sentences":[{"text":"Yours can be very different.","start":3119.49,"end":3121.1099,"sentiment":"neutral","sentiment_score":-0.06323019042611122},{"text":"Moderate risk?","start":3126.575,"end":3127.375,"sentiment":"neutral","sentiment_score":-0.0063094329088926315},{"text":"Yes.","start":3127.375,"end":3127.695,"sentiment":"neutral","sentiment_score":0.06828896701335907},{"text":"Perfect.","start":3127.695,"end":3128.195,"sentiment":"neutral","sentiment_score":0.3111079931259155},{"text":"Excellent.","start":3129.5352,"end":3130.0352,"sentiment":"positive","sentiment_score":0.5358259081840515}],"sentiment":"neutral","sentiment_score":0.05864530503749847,"num_words":10,"start":3119.49,"end":3130.0352},{"sentences":[{"text":"Let's pop you in there.","start":3130.575,"end":3132.0352,"sentiment":"positive","sentiment_score":0.3417479574680328},{"text":"Beautiful.","start":3132.175,"end":3132.675,"sentiment":"positive","sentiment_score":0.5492702126502991},{"text":"Now you have kinda scored in that sort of growth area side of things.","start":3133.2952,"end":3138.71,"sentiment":"neutral","sentiment_score":0.10669599486781019},{"text":"The balanced growth portfolio that you're in is realistically one level down from the growth environment.","start":3139.17,"end":3145.19,"sentiment":"neutral","sentiment_score":-0.02995900169480592},{"text":"As I kinda mentioned, that seventy thirty kind of split with investments expected.","start":3146.05,"end":3149.99,"sentiment":"neutral","sentiment_score":-0.06100333940524321}],"sentiment":"neutral","sentiment_score":0.0505993160970357,"num_words":49,"start":3130.575,"end":3149.99},{"sentences":[{"text":"Our return is about six to 8%, and the likelihood of a negative return is expected one in every six years.","start":3150.705,"end":3156.5452,"sentiment":"neutral","sentiment_score":-0.23386104050136747},{"text":"So it is relatively low risk.","start":3156.5452,"end":3158.405,"sentiment":"neutral","sentiment_score":0.14886734882990518},{"text":"If we kinda think about risk as out of a number between one and five, so one being all sitting in cash, five being all your money in equity, and you're taking the highest level of risk, you're sitting at around about a three to four.","start":3158.7852,"end":3174.5398,"sentiment":"neutral","sentiment_score":0.0029036399462948675},{"text":"So you're very much that middle to low kind of area.","start":3174.5398,"end":3178.3198,"sentiment":"neutral","sentiment_score":0.14924344759095798},{"text":"Do you feel like you're comfortable staying in that environment?","start":3179.055,"end":3182.015,"sentiment":"neutral","sentiment_score":0.21053072065114975}],"sentiment":"neutral","sentiment_score":-0.0014609062766775171,"num_words":94,"start":3150.705,"end":3182.015},{"sentences":[{"text":"Did you wanna try and take a little bit more risk, or you'd rather stay where you are?","start":3182.015,"end":3186.275,"sentiment":"neutral","sentiment_score":0.024519988439149328},{"text":"That's fine.","start":3194.14,"end":3194.96,"sentiment":"neutral","sentiment_score":0.2338215559720993},{"text":"Yep.","start":3195.1,"end":3195.6,"sentiment":"neutral","sentiment_score":0.12523220479488373},{"text":"Honestly, we could we could be in that growth environment and step it up a little bit and have, like, an eighty twenty split.","start":3197.5,"end":3204.96,"sentiment":"neutral","sentiment_score":0.18893397009621063},{"text":"Realistically, the eighty twenty split is 80% in those growth assets.","start":3205.34,"end":3210.1848,"sentiment":"neutral","sentiment_score":0.07170734351331537}],"sentiment":"neutral","sentiment_score":0.1135255565999874,"num_words":56,"start":3182.015,"end":3210.1848},{"sentences":[{"text":"So the Australian shares, US shares, property, and then some gold and silver, and 20% in those lower risk investments.","start":3210.1848,"end":3218.045,"sentiment":"neutral","sentiment_score":0.04371267538517713},{"text":"The average expected return is between seven to 9%, and the likelihood of a negative year is one every five.","start":3218.345,"end":3225.5598,"sentiment":"neutral","sentiment_score":-0.21794355735182763},{"text":"So, realistically, you could step it up a little bit more.","start":3226.02,"end":3228.8198,"sentiment":"neutral","sentiment_score":0.05211025916717269},{"text":"You have that time horizon ahead of you.","start":3228.8198,"end":3231.16,"sentiment":"neutral","sentiment_score":0.05753750540316105},{"text":"If you were about six years away from accessing super, I would be telling you to pull your risk down and, you know, I would guide you back.","start":3231.7,"end":3239.385,"sentiment":"neutral","sentiment_score":0.013674522483987468}],"sentiment":"neutral","sentiment_score":-0.023772622019737618,"num_words":87,"start":3210.1848,"end":3239.385},{"sentences":[{"text":"I would never leave you there right till retirement.","start":3239.385,"end":3241.645,"sentiment":"neutral","sentiment_score":-0.006869717604584164},{"text":"But it's also gotta be your comfort level.","start":3242.5852,"end":3244.5051,"sentiment":"neutral","sentiment_score":0.08700127061456442},{"text":"If you're a bit nervous about increasing that risk level a little bit, then you're fine to stay where you are.","start":3244.5051,"end":3249.7852,"sentiment":"neutral","sentiment_score":0.05433263168448493},{"text":"It's gotta be within your comfort level as well.","start":3249.7852,"end":3252.3,"sentiment":"neutral","sentiment_score":0.11127077953683005},{"text":"Most people in our age group are kind of in that growth environment sitting between that 80 to 20 split, but I do have some clients that are in that balanced growth environment or taking less risk in their forties as well, and there's nothing wrong with that.","start":3254.94,"end":3269.5352,"sentiment":"neutral","sentiment_score":0.23637016552189985}],"sentiment":"neutral","sentiment_score":0.14865655718665374,"num_words":95,"start":3239.385,"end":3269.5352},{"sentences":[{"text":"It's more about your comfort level as well as your time horizon.","start":3269.5352,"end":3273.315,"sentiment":"neutral","sentiment_score":0.002587048181643089},{"text":"But you do have the time horizon and the risk capacity to go through those ups and downs and be in that growth environment and just take on a little bit more risk trying to get greater potential returns.","start":3274.095,"end":3285.81,"sentiment":"neutral","sentiment_score":-0.05772292900543947},{"text":"If you're ever not comfortable, you can pull it back, or you can stay where you are for a bit longer, and we can always decrease that down the track depending on your comfort level.","start":3286.43,"end":3295.01,"sentiment":"neutral","sentiment_score":-0.025058360397815706},{"text":"Yes.","start":3299.065,"end":3299.565,"sentiment":"neutral","sentiment_score":0.06175284460186958},{"text":"Yes.","start":3301.545,"end":3302.045,"sentiment":"neutral","sentiment_score":0.03486332297325134}],"sentiment":"neutral","sentiment_score":-0.034097455674782395,"num_words":88,"start":3269.5352,"end":3302.045},{"sentences":[{"text":"Absolutely.","start":3306.665,"end":3307.165,"sentiment":"neutral","sentiment_score":0.06529626250267029},{"text":"Yep.","start":3308.185,"end":3308.685,"sentiment":"neutral","sentiment_score":0.017928460612893105},{"text":"Yeah.","start":3310.77,"end":3311.09,"sentiment":"neutral","sentiment_score":0.014464499428868294},{"text":"Definitely.","start":3311.09,"end":3311.59,"sentiment":"neutral","sentiment_score":0.19361351430416107},{"text":"Let's with the advice, I'll do that as an eighty twenty split for you.","start":3311.81,"end":3316.37,"sentiment":"neutral","sentiment_score":0.1479439293699605}],"sentiment":"neutral","sentiment_score":0.13125098600155777,"num_words":18,"start":3306.665,"end":3316.37},{"sentences":[{"text":"We'll go more growth for you, and then I'll make sure we touch base six months after the advice has gone through.","start":3316.37,"end":3323.2148,"sentiment":"neutral","sentiment_score":0.12463629956949841},{"text":"That way, we can reassess how the portfolio is working, how it's all working for you, and your comfort level.","start":3323.2148,"end":3329.695,"sentiment":"neutral","sentiment_score":0.15109097827225923},{"text":"If you were ever not comfortable, you can tell me.","start":3329.695,"end":3332.015,"sentiment":"neutral","sentiment_score":-0.10883772503584624},{"text":"We can call back.","start":3332.015,"end":3333.075,"sentiment":"neutral","sentiment_score":-0.08177727088332176},{"text":"And if not, we'll just, every six months, touch base, talk about what's happening, look at the portfolio, and then we can make changes if we need to.","start":3333.615,"end":3341.3801,"sentiment":"neutral","sentiment_score":0.004493327137814569}],"sentiment":"neutral","sentiment_score":0.05326363073739534,"num_words":84,"start":3316.37,"end":3341.3801},{"sentences":[{"text":"Is that okay?","start":3341.3801,"end":3342.02,"sentiment":"neutral","sentiment_score":0.02648569146792094},{"text":"That way, we're doing it gradually.","start":3342.02,"end":3343.6401,"sentiment":"neutral","sentiment_score":0.04622570052742958},{"text":"We're not taking on too much risk, and we're keeping in touch regularly to see how you feel about it and what's happening with your Uber.","start":3344.02,"end":3351.225,"sentiment":"neutral","sentiment_score":0.051242087896053605},{"text":"Does that sound comfortable?","start":3351.225,"end":3352.445,"sentiment":"neutral","sentiment_score":0.06693748198449612},{"text":"Yep.","start":3353.625,"end":3354.125,"sentiment":"neutral","sentiment_score":0.1864299178123474}],"sentiment":"neutral","sentiment_score":0.05358213521540165,"num_words":40,"start":3341.3801,"end":3354.125},{"sentences":[{"text":"Beautiful.","start":3355.225,"end":3355.725,"sentiment":"positive","sentiment_score":0.6559402942657471},{"text":"Excellent.","start":3355.7852,"end":3356.2852,"sentiment":"positive","sentiment_score":0.6070774793624878},{"text":"The next slide of it is, after the call, I will just fill up an email.","start":3356.5051,"end":3359.625,"sentiment":"neutral","sentiment_score":0.14674080442637205},{"text":"It'll come through sometimes that each of the estate planning and the insurance information there.","start":3359.625,"end":3364.365,"sentiment":"neutral","sentiment_score":0.07939152692755064},{"text":"As part of the advice, I'll reassess the growth portfolio, your super, how it's structured, the investments within, the cost side of things, and I'll also look at this increase in your income protection along with that as well.","start":3364.63,"end":3379.05,"sentiment":"neutral","sentiment_score":0.13907164383010986}],"sentiment":"neutral","sentiment_score":0.1420213563574685,"num_words":72,"start":3355.225,"end":3379.05},{"sentences":[{"text":"I just wanted to double check because I'm looking at insurances just to see if there's any changes to your health that I need to maybe take into account.","start":3380.265,"end":3389.645,"sentiment":"neutral","sentiment_score":-0.025779201918088926},{"text":"I just got the last free assessment that I have here.","start":3392.505,"end":3396.87,"sentiment":"neutral","sentiment_score":0.10264765132557262},{"text":"No.","start":3397.33,"end":3397.57,"sentiment":"neutral","sentiment_score":-0.1569247841835022},{"text":"There's nothing in it.","start":3397.57,"end":3398.61,"sentiment":"neutral","sentiment_score":-0.18693722411990166},{"text":"That's okay.","start":3398.61,"end":3399.1702,"sentiment":"neutral","sentiment_score":0.07723471149802208}],"sentiment":"neutral","sentiment_score":-0.007844190398092442,"num_words":47,"start":3380.265,"end":3399.1702},{"sentences":[{"text":"We'll go to the insurance application we originally had.","start":3399.1702,"end":3402.9502,"sentiment":"neutral","sentiment_score":0.08198256749245855},{"text":"Just checking, you're part time are you full time now?","start":3403.97,"end":3407.425,"sentiment":"neutral","sentiment_score":0.02083288412541151},{"text":"What are your work hours like?","start":3407.425,"end":3409.205,"sentiment":"neutral","sentiment_score":-0.0063859593744079275},{"text":"Mhmm.","start":3416.545,"end":3417.045,"sentiment":"neutral","sentiment_score":0.009665938094258308},{"text":"Mhmm.","start":3418.145,"end":3418.645,"sentiment":"neutral","sentiment_score":0.009714240208268166}],"sentiment":"neutral","sentiment_score":0.03434208780527115,"num_words":27,"start":3399.1702,"end":3418.645},{"sentences":[{"text":"Okay.","start":3424.0898,"end":3424.5898,"sentiment":"neutral","sentiment_score":0.12215252220630646},{"text":"Perfect.","start":3424.73,"end":3425.23,"sentiment":"neutral","sentiment_score":0.16164937615394592},{"text":"Yeah.","start":3427.77,"end":3428.25,"sentiment":"neutral","sentiment_score":0.035660915076732635},{"text":"So you have technically two jobs.","start":3428.25,"end":3430.17,"sentiment":"neutral","sentiment_score":0.000786077386389176},{"text":"Are they very different industries?","start":3430.17,"end":3431.7898,"sentiment":"neutral","sentiment_score":-0.016806697472929955}],"sentiment":"neutral","sentiment_score":0.017153270742190734,"num_words":14,"start":3424.0898,"end":3431.7898},{"sentences":[{"text":"Right.","start":3438.325,"end":3438.825,"sentiment":"neutral","sentiment_score":0.0055569857358932495},{"text":"Yep.","start":3441.4448,"end":3441.9448,"sentiment":"neutral","sentiment_score":0.025271311402320865},{"text":"Mhmm.","start":3444.885,"end":3445.385,"sentiment":"neutral","sentiment_score":-0.05946587026119232},{"text":"Yes.","start":3450.24,"end":3450.74,"sentiment":"neutral","sentiment_score":-0.05340009182691574},{"text":"Mhmm.","start":3473.875,"end":3474.195,"sentiment":"neutral","sentiment_score":0.010740025900304316}],"sentiment":"neutral","sentiment_score":-0.014259527809917927,"num_words":5,"start":3438.325,"end":3474.195},{"sentences":[{"text":"Yeah.","start":3474.195,"end":3474.595,"sentiment":"neutral","sentiment_score":0.033910688012838364},{"text":"Absolutely.","start":3474.595,"end":3475.095,"sentiment":"neutral","sentiment_score":0.07193461805582047},{"text":"No.","start":3475.7952,"end":3475.955,"sentiment":"neutral","sentiment_score":-0.01003941148519516},{"text":"That's okay.","start":3475.955,"end":3476.7751,"sentiment":"neutral","sentiment_score":0.0768853947520256},{"text":"What I might need to do I'm just sort of having a look at the the last application.","start":3477.3801,"end":3482.28,"sentiment":"neutral","sentiment_score":0.001693566847178671}],"sentiment":"neutral","sentiment_score":0.012176560318988302,"num_words":23,"start":3474.195,"end":3482.28},{"sentences":[{"text":"There's really nothing that kind of flicks up, but because you do have those two jobs, I just need to kind of understand a bit more about those roles to be able to assess the increase in income protection and what that looks for you and what kind of contracts might be offered so the advice is nice and accurate.","start":3482.34,"end":3496.5051,"sentiment":"neutral","sentiment_score":0.027896262394885223},{"text":"Is it okay if I get one of my admin team just to call and go through a bit of a quick pre assessment with you one day next week just so I can get a full guide on how everything looks for you for the advice?","start":3497.285,"end":3508.16,"sentiment":"neutral","sentiment_score":0.21555062367561015},{"text":"Beautiful.","start":3509.9,"end":3510.4,"sentiment":"neutral","sentiment_score":0.17198260128498075},{"text":"Is there a day that normally fits you best for a time?","start":3510.54,"end":3513.42,"sentiment":"neutral","sentiment_score":0.04944796456644932},{"text":"It should only take about sort of five to ten minutes.","start":3513.42,"end":3516.08,"sentiment":"neutral","sentiment_score":0.0742851197719574}],"sentiment":"neutral","sentiment_score":0.1021919812978679,"num_words":131,"start":3482.34,"end":3516.08},{"sentences":[{"text":"Next Thursday?","start":3522.955,"end":3523.695,"sentiment":"neutral","sentiment_score":0.05056065507233143},{"text":"Perfect.","start":3525.035,"end":3525.535,"sentiment":"positive","sentiment_score":0.42953717708587646},{"text":"And the same time, does that suit you?","start":3525.595,"end":3527.435,"sentiment":"neutral","sentiment_score":0.1348663503304124},{"text":"Generally, about 10:30?","start":3527.435,"end":3528.895,"sentiment":"neutral","sentiment_score":0.02993570143977801},{"text":"Yep.","start":3529.515,"end":3530.015,"sentiment":"neutral","sentiment_score":0.24173831939697263}],"sentiment":"neutral","sentiment_score":0.12940898090600966,"num_words":15,"start":3522.955,"end":3530.015},{"sentences":[{"text":"Perfect.","start":3530.875,"end":3531.375,"sentiment":"positive","sentiment_score":0.5135505795478821},{"text":"I've popped that one in there.","start":3531.515,"end":3532.715,"sentiment":"positive","sentiment_score":0.33946485569079715},{"text":"So my team member, Samantha, will give you a call.","start":3532.715,"end":3535.115,"sentiment":"neutral","sentiment_score":0.22412550151348115},{"text":"She'll run through a bit of a pre assessment with you just to kinda get a gauge on how everything is, any change circumstances on what your work looks like.","start":3535.115,"end":3543.17,"sentiment":"neutral","sentiment_score":0.17690348575512568},{"text":"And then as part of the the details, I can go back and really assess everything in full and update the advice so you get a really good view of what all that looks like, and then we can talk about whether you're comfortable taking it or not.","start":3543.23,"end":3555.065,"sentiment":"neutral","sentiment_score":0.19263831324254474}],"sentiment":"neutral","sentiment_score":0.20363514039077257,"num_words":95,"start":3530.875,"end":3555.065},{"sentences":[{"text":"Okay.","start":3555.065,"end":3555.565,"sentiment":"neutral","sentiment_score":0.10274063795804976},{"text":"I'll add a text message reminder there for you, Allison, as well.","start":3557.385,"end":3560.425,"sentiment":"neutral","sentiment_score":0.22312200317780176},{"text":"So it sends you a message prior.","start":3560.425,"end":3562.025,"sentiment":"neutral","sentiment_score":0.12909947229283197},{"text":"That way, if anything comes up, you're welcome to let us know.","start":3562.025,"end":3564.905,"sentiment":"neutral","sentiment_score":0.16918943946560225},{"text":"We can reschedule.","start":3564.905,"end":3565.805,"sentiment":"neutral","sentiment_score":0.15297538042068481}],"sentiment":"neutral","sentiment_score":0.17637429705687932,"num_words":35,"start":3555.065,"end":3565.805},{"sentences":[{"text":"It's not a problem.","start":3566.025,"end":3566.91,"sentiment":"neutral","sentiment_score":0.24199232831597328},{"text":"Okay?","start":3567.3098,"end":3567.8098,"sentiment":"neutral","sentiment_score":0.11627225577831268},{"text":"Yep.","start":3577.3098,"end":3577.8098,"sentiment":"neutral","sentiment_score":0.00256560742855072},{"text":"No.","start":3582.7651,"end":3583.0051,"sentiment":"neutral","sentiment_score":-0.021302731707692143},{"text":"It is honestly absolutely fine.","start":3583.0051,"end":3585.165,"sentiment":"neutral","sentiment_score":0.09042796492576599}],"sentiment":"neutral","sentiment_score":0.12647035578265786,"num_words":12,"start":3566.025,"end":3585.165},{"sentences":[{"text":"We things come up, and we fully understand that.","start":3585.165,"end":3588.925,"sentiment":"neutral","sentiment_score":0.148870303399033},{"text":"So there is no issues at all.","start":3588.925,"end":3590.845,"sentiment":"neutral","sentiment_score":0.19177761461053575},{"text":"I'll put the text message reminder on this.","start":3590.845,"end":3592.7651,"sentiment":"neutral","sentiment_score":0.157658857293427},{"text":"It'll send you a message around about sort of 839 to give you a reminder, and then you're welcome to let us know if something comes up.","start":3592.7651,"end":3599.7202,"sentiment":"neutral","sentiment_score":0.06593194086518553},{"text":"Okay?","start":3599.7202,"end":3600.2202,"sentiment":"neutral","sentiment_score":0.07769331336021423}],"sentiment":"neutral","sentiment_score":0.11156543476793629,"num_words":52,"start":3585.165,"end":3600.2202},{"sentences":[{"text":"That's okay.","start":3601.32,"end":3602.12,"sentiment":"neutral","sentiment_score":0.2145954668521881},{"text":"Thank you so much for your time.","start":3602.12,"end":3603.56,"sentiment":"positive","sentiment_score":0.44388132861682345},{"text":"If you get stuck trying to sign a document, let me know.","start":3603.56,"end":3606.04,"sentiment":"neutral","sentiment_score":0.0602624366680781},{"text":"If Aaron can help, absolutely great.","start":3606.04,"end":3608.06,"sentiment":"neutral","sentiment_score":0.23825864493846893},{"text":"If you need it sent another way, please let me know.","start":3608.275,"end":3610.675,"sentiment":"neutral","sentiment_score":-0.0015449154783378947}],"sentiment":"neutral","sentiment_score":0.14926492824758353,"num_words":38,"start":3601.32,"end":3610.675},{"sentences":[{"text":"But thank you so much for your time.","start":3610.675,"end":3612.355,"sentiment":"positive","sentiment_score":0.4367621592245996},{"text":"I really appreciate it.","start":3612.355,"end":3613.975,"sentiment":"positive","sentiment_score":0.5821323543787003},{"text":"Thanks.","start":3616.355,"end":3616.755,"sentiment":"positive","sentiment_score":0.5553797483444214},{"text":"I'll talk to you.","start":3616.755,"end":3617.895,"sentiment":"positive","sentiment_score":0.36903512477874756},{"text":"That's okay.","start":3618.275,"end":3619.095,"sentiment":"neutral","sentiment_score":0.14881519973278046}],"sentiment":"positive","sentiment_score":0.42904091253876686,"num_words":19,"start":3610.675,"end":3619.095},{"sentences":[{"text":"Thank you.","start":3621.315,"end":3622.135,"sentiment":"positive","sentiment_score":0.42065705358982086},{"text":"I did a technically, I did in about four years because I did my undergrad, and then I went to uni to finish my degree.","start":3627.07,"end":3635.55,"sentiment":"neutral","sentiment_score":0.030924640074372293},{"text":"But it's normally about a six year degree full time.","start":3635.55,"end":3638.45,"sentiment":"neutral","sentiment_score":0.03654495319351554},{"text":"Yeah.","start":3639.375,"end":3639.875,"sentiment":"neutral","sentiment_score":0.10488272458314896},{"text":"No.","start":3642.415,"end":3642.655,"sentiment":"neutral","sentiment_score":-0.05260640010237694}],"sentiment":"neutral","sentiment_score":0.052106563216791704,"num_words":39,"start":3621.315,"end":3642.655},{"sentences":[{"text":"It's all good.","start":3642.655,"end":3643.295,"sentiment":"neutral","sentiment_score":0.2717358072598775},{"text":"I'll make sure I look after you, but thank you so much for your time.","start":3643.295,"end":3646.015,"sentiment":"positive","sentiment_score":0.33743991603453954},{"text":"I hope you have a good day.","start":3646.015,"end":3647.555,"sentiment":"positive","sentiment_score":0.6279619761875698},{"text":"Thanks, Allison.","start":3649.535,"end":3650.515,"sentiment":"positive","sentiment_score":0.49745118618011475},{"text":"Talk soon.","start":3650.575,"end":3651.375,"sentiment":"neutral","sentiment_score":0.20127734541893005}],"sentiment":"positive","sentiment_score":0.4024136916830622,"num_words":29,"start":3642.655,"end":3651.375},{"sentences":[{"text":"See you later.","start":3651.375,"end":3652.095,"sentiment":"neutral","sentiment_score":0.2822127342224121},{"text":"Bye.","start":3652.095,"end":3652.595,"sentiment":"neutral","sentiment_score":0.1324608027935028}],"sentiment":"neutral","sentiment_score":0.24477475136518478,"num_words":4,"start":3651.375,"end":3652.595}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. That's I'm good. How are you? Yes. That's that's fine. That's fine. Yep. Yep. Allison Audra, 16 Gershwin Crescent, Claremont Meadows, New South Wales 2747, 12/09/1983. Yeah. Okay. Just the school run and all that. And then had no toilet paper, so I had to get into the shops and get up. Yeah. I was like, no. I know. I know. Right? Yeah. Yeah. Yeah. I'll just jump. I've got my laptop out. So I'm not on the emails yet, though. But, yeah, just thought I'll get it out. It's audreyed83@outlook. Yeah. You said audreyed eighty at eighty three. I think you said yeah. That's okay. Yeah. So I'm on my emails now. Okay. Dana Taylor. Yep. Yep. Okay. It'll say what? It just says to sign request. What is yeah. So I'm not signing the document because it's saying at the end. So just click on the link. Yeah. Okay. Okay. Yeah. Okay. Not yet. Hang on a sec. Trying to open this link. I don't know what this is doing. So no. I don't think so. So your email just says, hello, Allison. It's got your name with, like, a few other words, and then it says, like, have you been well, blah blah blah blah blah. And then yeah. Then there's a link. And I click on the link, and it just takes me to where you guys are located. Is that and then at the bottom of it, it says to sign document. Yeah. Yeah. Well, it just takes me to Google account. That's not no. Yeah. I don't know. Okay. It's annoying. Okay. So I don't know. Okay. I don't know. I feel like I'm missing something. Maybe I'll check it on my phone and see if it's different on my phone. You're not popping up on my phone. Okay. Yeah. But it's in my it's in my process inbox on the laptop, but it's not on my side at all. Oh, no. It's coming through. It's coming through now. I'll just click on your email. Okay. No. Just at the bottom, it says sign document. Mhmm. So it's it's yeah. It's come up, but it's just blank. And then at the bottom, it says next document. And then I click on next document, it takes me to the next page, but they're all blank. Yeah. Let me just I'll go back, and I'll try again. It's alright. Nothing coming up on my end. Yeah. I'm having a lot. Scrolling. Nothing's happening. Yeah. Probably. Otherwise, they're not working on the laptop. Yeah. Yeah. Okay. It's working on the laptop. It's not working on the Yeah. Yeah. Okay. So it is approximate benefit. Is that how much I have in my system? Wow. That's good. Yes. Yeah. Okay. That's good. And what what about when I joined? How much did I have when I joined? That's good. Yes. Yeah. That's good. Yeah. That's good. Yes. Yep. Okay. Yep. Yeah. Okay. Yep. Thank you. Yes. Yes. I don't know. Yeah. Yeah. I guess so. Of course, I'll I'll like it to be more, but you know yeah. Yeah. Yes. Yeah. Yep. We do have a mortgage. I think about 3 something or 400,000, something like that. Yeah. Yeah. Like, no personal debts or anything like that. No. We're just paying the mortgage. Yep. On the investment, we have it's less than that. It's not $3.50. I think we bought the house for $3.50, so it's less than that. Yeah. So it's probably around 300. Yeah. About 400. Yeah. Yes. Yeah. Well, we probably wouldn't we'd probably sell the investment anyway. Yeah. Like yeah. So we wouldn't keep both houses, so we'll just need one to live in. But, like, obviously, because it's an investment, that'll just sell eventually, and then that's the plan. Yeah. And then yeah. I don't know. I'm not very good with, like, all these numbers and stuff, but yeah. That's like this is like Aaron's, like, you know, he's the man. Yeah. I'm just like, yeah. Whatever. Yeah. Yeah. Yeah. Yeah. Yeah. That sounds good. For my income? Yeah. I think I was on maternity leave when I joined you guys, and so I'm back full time now. So I earned a 100 this year. 100,000. Mhmm. Yeah. Yes. Yes. That's hard questions. Yeah. No. Yeah. Yeah. Yeah. Okay. No worries. Yeah. Okay. Yeah. Oh my god. Lots to think about. I'm, like, brain dead this morning as well. I have brain fog. Yeah. Like, no. Seriously, I do. Like, I'm just, like, my mother-in-law's sick, looking after her nursing twenty four seven kids. It's just yeah. That's why I've had to re like, this phone never answered my phone. This is yeah. Yeah. It's just a lot. But yeah. Okay. Mhmm. Yeah. Yeah. Okay. Yeah. Yeah. Yes. That's alright. Yeah. So do you think that is enough? Okay. Yeah. Yeah. Yeah. Yep. Okay. Yeah. Yeah. Am I right? Yeah. Exactly. I've they need to lower their retirement age. It's just I don't wanna work anymore. I could I would retire today if I could. We're not uh-huh. Not like you know what I mean? Like, I would at least cut back, like, you know, hours because I I think I think I'll be a little bit bored and have to do a little like, a little bit of something. But yeah. Yeah. But yeah. I could I could stop now. I'm 42. So, yeah, it's like a good age. I've been working since I was 15. Yeah. I know. How many years? Twenty five plus years. Yeah. Yeah. And when can we when when can you dip into it so far? 60. Oh, excellent. Okay. That's the golden 60. Yeah. I'm gonna try one of the letter before that. Yeah. No worries. Yeah. Yes. Okay. So, yeah, it says 2,600, and then that won't be paid until after three months. Is that what it's saying? Yeah. Okay. Yeah. Yeah. Yes. Surprisingly. Yeah. I don't think we can live off just one wage, so we would need extra. Yeah. Oh, is this monthly? Monthly, not weekly. I mean, or fortnightly. Yeah. Yeah. That's alright. Yeah. So you're saying to increase it? Yeah. Yep. Yeah. Yes. So you'd get taxed on that. Is that what you're saying? Okay. Yeah. You get taxed on everything. Yeah. Yeah. Yeah. Okay. So do you think it should be increased? Yeah. Yep. Okay. Yep. No. Yeah. Yeah. Okay. Sounds good. I thought that that's what it was. It couldn't reduce it. Oh, okay. Oh, okay then. Yeah. Oh, that's Vera. Okay. Maybe just leave it then. Yeah. Just leave it. Yeah. Yeah. That's alright. Yeah. Yeah. Yeah. That's fine. Mhmm. Yeah. You don't think about stuff like that, do you? No. Yeah. I have to talk to Aaron about that one, about the trauma stuff. Yeah. Yeah. Yeah. Yeah. Because I can, like, ring you guys at any time and then get things adjusted. Is that right? Yeah. Okay. Cool. Yeah. I'm so time poor. I am. Yeah. I don't know. I just I can't I don't wanna add up anymore. I know. Oh my goodness. Yeah. Like, I forgot about a couple weeks ago. It was superhero week or whatever, book week. And I'm like, oh my god. My child's not dressed for book week. All these kids are dressed. I'm like yeah. I know. So I raced down there with a costume, and I didn't wanna wear it anyway. Oh my goodness. Yeah. Yeah. Yeah. I thought so often, I'm just like, I'm such a shit mom. Yeah. So I'm just so busy with, like, a 100 things like, a 100 things to do. Yeah. Yeah. Nope. Yeah. Anyway Okay. Yep. So we're going to page two. Okay. Yep. Yeah. The second one from the bottom. Internet right over there. Am I blind? I'm just am I on the same page? Performance with IRR. Is that the page? Yep. Yep. Yep. Yep. Managed. Yeah. Managed funds. Yep. Yep. Am I looking yeah. Okay. I'm looking at the blue. I'm looking at these, like, you know, down the asset type, looking at those things. And I'm looking at the last one. It says shares. Okay. Okay. Yep. The blue column. Yep. Gotcha. Yep. Gotcha. Yep. Gotcha. Yep. Yep. Yep. Yep. Mhmm. Yep. Yes. Okay. Yep. Mhmm. Mhmm. I don't know. I just want you guys to, you know obviously, you guys are the professionals, so I have no idea about risk and whatever and percentages and all that. So I'll just leave that up to you. Yep. Yep. That sounds good. Yeah. Yeah. Mhmm. Yep. I yeah. Mhmm. Okay. Yeah. Yeah. Yep. Not really. High five. Okay. High three. Yeah. Yeah. Yeah. And how did you learn all this stuff? Oh my goodness. You must like numbers. Oh, wow. Yeah. Yeah. Yeah. Yep. Yeah. Exactly. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yep. Yep. Yep. Yep. No. Mhmm. Yes. Yes. Okay. Yep. Mhmm. Yes. Yes. Okay. Yep. No. I don't really. No. I don't think so. Yeah. Yeah. Okay. Can I find it yeah? I'm just can I find it on net? Like, I'm just trying to work out if I can find it. Not it. Yeah. It's alright. So yeah. It's okay. So I have to get it do you guys send this out to me in the post and I can return it to you guys? Yeah. Okay. I don't know how to do that. I'm not that kind of section, but I wouldn't know. Section, but I wouldn't know. Yeah. That's why I was clicking on it to see if it would do anything, and it doesn't do anything. And let me see. Yeah. I don't know. Maybe the the laptop's old. I don't know. I can I can print it I can print it out at work, I suppose? And then I think because Aaron I think you guys sent something to Aaron, and he just returned it. Oh, okay. Yeah. Yeah. But when I click on it, it doesn't do anything. Yeah. Does it have to go in? Yeah. Maybe. Yeah. I'll ask him. Yeah. I'm hopeless with computers. Yeah. I just know how to, like, use my system at work. I see it, like, ask me to write, like, do something on Word and all this. I'm like, oh my god. I haven't done that since school. So yeah. Okay. No worries. Yeah. I'll ask her and see how to do it, like, how he did his. Because I know he's I know he's done his, like, months ago. Yeah. So I'll ask him. Yeah. Alright then. Yeah. Yeah. I don't know. Just like I don't know. Just feels like every week a lot comes out of their account, like, bills and like, we've just been paying bills this morning. So and, like, yeah. And I'm like, oh, they're bigger than last time. And I'm like, you know, everything is just going up. So yeah. I don't know. But yeah. Yeah. That's right. Alright. We need to. Alright. We need to there's a lot of things we need to do, and we don't we just don't we have to make obviously, you have to make the time to do it. But, yeah, life just gets busy, and then you just that's the last thing you wanna do is, like, sort out stuff. Yeah. But, yeah, I know I need to do a will. Yeah. Because I have children. Yeah. Yeah. Yeah. Yeah. That sounds really good. Yeah. Yeah. Okay. I didn't know you guys did stuff like that. Yeah. Yeah. Thank you. Okay. Okay. Thank you. Yeah. I was talking to one of my friends about you guys, and she's like, oh, yeah. I'm interested. So I was like, oh, okay. Yeah. So I'm just like, can you let them know to call me? And I'm like, yeah. I guess so. Yeah. So I should just send you guys an email with her, like, details and stuff? Yes. Okay. No worries. Yeah. Okay. Yeah. And I was just talking to her about it, and she's just like, oh, please please. I I need the number, and I'm like, oh, okay. Yeah. Yeah. Mhmm. Yep. Yes. Any anyone's fine. Yeah. Yeah. Yeah. Well, it doesn't bother me, like, what she does. Do you know what I mean? But she just well, I was just talking about having this review and blah blah blah, and I had to reschedule it. And then because this happened and that happened. That's how we started to talk about super. Yeah. So yeah. And then she was like, oh, that sounds good. Uh-huh. And then yeah. Yeah. Anyway yeah. Yeah. Yep. Yeah. Okay. Thank you so much. I'll probably call you guys. Yeah. And get advice. Yeah. Yep. Yeah. I know Aaron's answer was high risk, but yeah. And I think I went with more of a moderate risk. Well yeah. Yeah. Yeah. Yeah. Probably just stay where I am, but what would you do? Yep. Yeah. Yeah. Okay. That's all. Yeah. Yeah. What do most people do, though? Do they just Yeah. Yeah. Yeah. Well, should we increase it to the eighty twenty now and then see how I go and then do a then, like, you I don't know. Let me know how I'm going or and then if you think I need to pull back, let me know. Something like that. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Sounds yeah. Sounds good. Mhmm. Yep. I am I do thirty six hours a week at one job, but then I do it an eight hour shift at another job. So it's, like, 40 I got 44, forty five. Yeah. So I'm going to, like, the disability sector at the moment, and then I've I've put in aged care. So I'm still doing a shift in the in aged care, and then I've it's just getting too much, that job. So I'm just like, I need to do something different. And then so I've gone into disability, which is a bit more not a full on. So I still have a lot to do, like, with care plans and stuff like that, but just yeah. I'm just, like, trying to get out of the the busyness of the other place. Yeah. Yeah. Yeah. Yep. Yep. No worries. Yeah. Just maybe next Thursday because I'm child free. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Okay. No worries. Thank you. Yes, please. Yeah. Yeah. Yeah. Because, like, last time when I had the book week, and I didn't even know it was on oh, no. It was a sports carnival. Sorry. The sports carnival. And I'm like, oh, no. I had to ring up to say sorry. Yeah. Yeah. Yeah. Thank you. Yeah. Yeah. Yeah. Yeah. Thank you. Thank you. Yeah. Yeah. I will. Okay. Alright. Thank you. Yeah. Thanks for everything. You know you know your stuff. And, yeah, I don't know how you learned this. Like, how long did this take at uni? Yeah. Wow. Wow. Yeah. Crazy. Okay. Yeah. Yeah. You too. Okay. Thank you. Bye. Bye. 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Yeah. That's I'm good. How are you? Yes.\n\nThat's that's fine. That's fine. Yep. Yep. Allison Audra, 16 Gershwin Crescent, Claremont Meadows, New South Wales 2747, 12/09/1983.\n\nYeah. Okay. Just the school run and all that. And then had no toilet paper, so I had to get into the shops and get up. Yeah.\n\nI was like, no. I know. I know. Right? Yeah.\n\nYeah. Yeah. I'll just jump. I've got my laptop out. So I'm not on the emails yet, though.\n\nBut, yeah, just thought I'll get it out. It's audreyed83@outlook. Yeah. You said audreyed eighty at eighty three. I think you said yeah.\n\nThat's okay. Yeah. So I'm on my emails now. Okay. Dana Taylor.\n\nYep. Yep. Okay. It'll say what? It just says to sign request.\n\nWhat is yeah. So I'm not signing the document because it's saying at the end. So just click on the link. Yeah. Okay.\n\nOkay. Yeah. Okay. Not yet. Hang on a sec.\n\nTrying to open this link. I don't know what this is doing. So no. I don't think so. So your email just says, hello, Allison.\n\nIt's got your name with, like, a few other words, and then it says, like, have you been well, blah blah blah blah blah. And then yeah. Then there's a link. And I click on the link, and it just takes me to where you guys are located. Is that and then at the bottom of it, it says to sign document.\n\nYeah. Yeah. Well, it just takes me to Google account. That's not no. Yeah.\n\nI don't know. Okay. It's annoying. Okay. So I don't know.\n\nOkay. I don't know. I feel like I'm missing something. Maybe I'll check it on my phone and see if it's different on my phone. You're not popping up on my phone.\n\nOkay. Yeah. But it's in my it's in my process inbox on the laptop, but it's not on my side at all. Oh, no. It's coming through.\n\nIt's coming through now. I'll just click on your email. Okay. No. Just at the bottom, it says sign document.\n\nMhmm. So it's it's yeah. It's come up, but it's just blank. And then at the bottom, it says next document. And then I click on next document, it takes me to the next page, but they're all blank.\n\nYeah. Let me just I'll go back, and I'll try again. It's alright. Nothing coming up on my end. Yeah.\n\nI'm having a lot. Scrolling. Nothing's happening. Yeah. Probably.\n\nOtherwise, they're not working on the laptop. Yeah. Yeah. Okay. It's working on the laptop.\n\nIt's not working on the Yeah. Yeah. Okay. So it is approximate benefit. Is that how much I have in my system?\n\nWow. That's good. Yes. Yeah. Okay.\n\nThat's good. And what what about when I joined? How much did I have when I joined? That's good. Yes.\n\nYeah. That's good. Yeah. That's good. Yes.\n\nYep. Okay. Yep. Yeah. Okay.\n\nYep. Thank you. Yes. Yes. I don't know.\n\nYeah. Yeah. I guess so. Of course, I'll I'll like it to be more, but you know yeah. Yeah.\n\nYes. Yeah. Yep. We do have a mortgage. I think about 3 something or 400,000, something like that.\n\nYeah. Yeah. Like, no personal debts or anything like that. No. We're just paying the mortgage.\n\nYep. On the investment, we have it's less than that. It's not $3.50. I think we bought the house for $3.50, so it's less than that. Yeah.\n\nSo it's probably around 300. Yeah. About 400. Yeah. Yes.\n\nYeah. Well, we probably wouldn't we'd probably sell the investment anyway. Yeah. Like yeah. So we wouldn't keep both houses, so we'll just need one to live in.\n\nBut, like, obviously, because it's an investment, that'll just sell eventually, and then that's the plan. Yeah. And then yeah. I don't know. I'm not very good with, like, all these numbers and stuff, but yeah.\n\nThat's like this is like Aaron's, like, you know, he's the man. Yeah. I'm just like, yeah. Whatever. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That sounds good.\n\nFor my income? Yeah. I think I was on maternity leave when I joined you guys, and so I'm back full time now. So I earned a 100 this year. 100,000.\n\nMhmm. Yeah. Yes. Yes. That's hard questions.\n\nYeah. No. Yeah. Yeah. Yeah.\n\nOkay. No worries. Yeah. Okay. Yeah.\n\nOh my god. Lots to think about. I'm, like, brain dead this morning as well. I have brain fog. Yeah.\n\nLike, no. Seriously, I do. Like, I'm just, like, my mother-in-law's sick, looking after her nursing twenty four seven kids. It's just yeah. That's why I've had to re like, this phone never answered my phone.\n\nThis is yeah. Yeah. It's just a lot. But yeah. Okay.\n\nMhmm. Yeah. Yeah. Okay. Yeah.\n\nYeah. Yes. That's alright. Yeah. So do you think that is enough?\n\nOkay. Yeah. Yeah. Yeah. Yep.\n\nOkay. Yeah. Yeah. Am I right? Yeah.\n\nExactly. I've they need to lower their retirement age. It's just I don't wanna work anymore. I could I would retire today if I could. We're not uh-huh.\n\nNot like you know what I mean? Like, I would at least cut back, like, you know, hours because I I think I think I'll be a little bit bored and have to do a little like, a little bit of something. But yeah. Yeah. But yeah.\n\nI could I could stop now. I'm 42. So, yeah, it's like a good age. I've been working since I was 15. Yeah.\n\nI know. How many years? Twenty five plus years. Yeah. Yeah.\n\nAnd when can we when when can you dip into it so far? 60. Oh, excellent. Okay. That's the golden 60.\n\nYeah. I'm gonna try one of the letter before that. Yeah. No worries. Yeah.\n\nYes. Okay. So, yeah, it says 2,600, and then that won't be paid until after three months. Is that what it's saying? Yeah.\n\nOkay. Yeah. Yeah. Yes. Surprisingly.\n\nYeah. I don't think we can live off just one wage, so we would need extra. Yeah. Oh, is this monthly? Monthly, not weekly.\n\nI mean, or fortnightly. Yeah. Yeah. That's alright. Yeah.\n\nSo you're saying to increase it? Yeah. Yep. Yeah. Yes.\n\nSo you'd get taxed on that. Is that what you're saying? Okay. Yeah. You get taxed on everything.\n\nYeah. Yeah. Yeah. Okay. So do you think it should be increased?\n\nYeah. Yep. Okay. Yep. No.\n\nYeah. Yeah. Okay. Sounds good. I thought that that's what it was.\n\nIt couldn't reduce it. Oh, okay. Oh, okay then. Yeah. Oh, that's Vera.\n\nOkay. Maybe just leave it then. Yeah. Just leave it. Yeah.\n\nYeah. That's alright. Yeah. Yeah. Yeah.\n\nThat's fine. Mhmm. Yeah. You don't think about stuff like that, do you? No.\n\nYeah. I have to talk to Aaron about that one, about the trauma stuff. Yeah. Yeah. Yeah.\n\nYeah. Because I can, like, ring you guys at any time and then get things adjusted. Is that right? Yeah. Okay.\n\nCool. Yeah. I'm so time poor. I am. Yeah.\n\nI don't know. I just I can't I don't wanna add up anymore. I know. Oh my goodness. Yeah.\n\nLike, I forgot about a couple weeks ago. It was superhero week or whatever, book week. And I'm like, oh my god. My child's not dressed for book week. All these kids are dressed.\n\nI'm like yeah. I know. So I raced down there with a costume, and I didn't wanna wear it anyway. Oh my goodness. Yeah.\n\nYeah. Yeah. I thought so often, I'm just like, I'm such a shit mom. Yeah. So I'm just so busy with, like, a 100 things like, a 100 things to do.\n\nYeah. Yeah. Nope. Yeah. Anyway Okay.\n\nYep. So we're going to page two. Okay. Yep. Yeah.\n\nThe second one from the bottom. Internet right over there. Am I blind? I'm just am I on the same page? Performance with IRR.\n\nIs that the page? Yep. Yep. Yep. Yep.\n\nManaged. Yeah. Managed funds. Yep. Yep.\n\nAm I looking yeah. Okay. I'm looking at the blue. I'm looking at these, like, you know, down the asset type, looking at those things. And I'm looking at the last one.\n\nIt says shares. Okay. Okay. Yep. The blue column.\n\nYep. Gotcha. Yep. Gotcha. Yep.\n\nGotcha. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yes. Okay. Yep.\n\nMhmm. Mhmm. I don't know. I just want you guys to, you know obviously, you guys are the professionals, so I have no idea about risk and whatever and percentages and all that. So I'll just leave that up to you.\n\nYep. Yep. That sounds good. Yeah. Yeah.\n\nMhmm. Yep. I yeah. Mhmm. Okay.\n\nYeah. Yeah. Yep. Not really. High five.\n\nOkay. High three. Yeah. Yeah. Yeah.\n\nAnd how did you learn all this stuff? Oh my goodness. You must like numbers. Oh, wow. Yeah.\n\nYeah. Yeah. Yep. Yeah. Exactly.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nNo. Mhmm. Yes. Yes. Okay.\n\nYep. Mhmm. Yes. Yes. Okay.\n\nYep. No. I don't really. No. I don't think so.\n\nYeah. Yeah. Okay. Can I find it yeah? I'm just can I find it on net?\n\nLike, I'm just trying to work out if I can find it. Not it. Yeah. It's alright. So yeah.\n\nIt's okay. So I have to get it do you guys send this out to me in the post and I can return it to you guys? Yeah. Okay. I don't know how to do that.\n\nI'm not that kind of section, but I wouldn't know. Section, but I wouldn't know. Yeah. That's why I was clicking on it to see if it would do anything, and it doesn't do anything. And let me see.\n\nYeah. I don't know. Maybe the the laptop's old. I don't know. I can I can print it I can print it out at work, I suppose?\n\nAnd then I think because Aaron I think you guys sent something to Aaron, and he just returned it. Oh, okay. Yeah. Yeah. But when I click on it, it doesn't do anything.\n\nYeah. Does it have to go in? Yeah. Maybe. Yeah.\n\nI'll ask him. Yeah. I'm hopeless with computers. Yeah. I just know how to, like, use my system at work.\n\nI see it, like, ask me to write, like, do something on Word and all this. I'm like, oh my god. I haven't done that since school. So yeah. Okay.\n\nNo worries. Yeah. I'll ask her and see how to do it, like, how he did his. Because I know he's I know he's done his, like, months ago. Yeah.\n\nSo I'll ask him. Yeah. Alright then. Yeah. Yeah.\n\nI don't know. Just like I don't know. Just feels like every week a lot comes out of their account, like, bills and like, we've just been paying bills this morning. So and, like, yeah. And I'm like, oh, they're bigger than last time.\n\nAnd I'm like, you know, everything is just going up. So yeah. I don't know. But yeah. Yeah.\n\nThat's right. Alright. We need to. Alright. We need to there's a lot of things we need to do, and we don't we just don't we have to make obviously, you have to make the time to do it.\n\nBut, yeah, life just gets busy, and then you just that's the last thing you wanna do is, like, sort out stuff. Yeah. But, yeah, I know I need to do a will. Yeah. Because I have children.\n\nYeah. Yeah. Yeah. Yeah. That sounds really good.\n\nYeah. Yeah. Okay. I didn't know you guys did stuff like that. Yeah.\n\nYeah. Thank you. Okay. Okay. Thank you.\n\nYeah. I was talking to one of my friends about you guys, and she's like, oh, yeah. I'm interested. So I was like, oh, okay. Yeah.\n\nSo I'm just like, can you let them know to call me? And I'm like, yeah. I guess so. Yeah. So I should just send you guys an email with her, like, details and stuff?\n\nYes. Okay. No worries. Yeah. Okay.\n\nYeah. And I was just talking to her about it, and she's just like, oh, please please. I I need the number, and I'm like, oh, okay. Yeah. Yeah.\n\nMhmm. Yep. Yes. Any anyone's fine. Yeah.\n\nYeah. Yeah. Well, it doesn't bother me, like, what she does. Do you know what I mean? But she just well, I was just talking about having this review and blah blah blah, and I had to reschedule it.\n\nAnd then because this happened and that happened. That's how we started to talk about super. Yeah. So yeah. And then she was like, oh, that sounds good.\n\nUh-huh. And then yeah. Yeah. Anyway yeah. Yeah.\n\nYep. Yeah. Okay. Thank you so much. I'll probably call you guys.\n\nYeah. And get advice. Yeah. Yep. Yeah.\n\nI know Aaron's answer was high risk, but yeah. And I think I went with more of a moderate risk. Well yeah. Yeah. Yeah.\n\nYeah. Probably just stay where I am, but what would you do? Yep. Yeah. Yeah.\n\nOkay. That's all. Yeah. Yeah. What do most people do, though?\n\nDo they just Yeah. Yeah. Yeah. Well, should we increase it to the eighty twenty now and then see how I go and then do a then, like, you I don't know. Let me know how I'm going or and then if you think I need to pull back, let me know.\n\nSomething like that. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Sounds yeah. Sounds good.\n\nMhmm. Yep. I am I do thirty six hours a week at one job, but then I do it an eight hour shift at another job. So it's, like, 40 I got 44, forty five. Yeah.\n\nSo I'm going to, like, the disability sector at the moment, and then I've I've put in aged care. So I'm still doing a shift in the in aged care, and then I've it's just getting too much, that job. So I'm just like, I need to do something different. And then so I've gone into disability, which is a bit more not a full on. So I still have a lot to do, like, with care plans and stuff like that, but just yeah.\n\nI'm just, like, trying to get out of the the busyness of the other place. Yeah. Yeah. Yeah. Yep.\n\nYep. No worries. Yeah. Just maybe next Thursday because I'm child free. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nOkay. No worries. Thank you. Yes, please. Yeah.\n\nYeah. Yeah. Because, like, last time when I had the book week, and I didn't even know it was on oh, no. It was a sports carnival. Sorry.\n\nThe sports carnival. And I'm like, oh, no. I had to ring up to say sorry. Yeah. Yeah.\n\nYeah. Thank you. Yeah. Yeah. Yeah.\n\nYeah. Thank you. Thank you. Yeah. Yeah.\n\nI will. Okay. Alright. Thank you. Yeah.\n\nThanks for everything. You know you know your stuff. And, yeah, I don't know how you learned this. Like, how long did this take at uni? Yeah.\n\nWow. Wow. Yeah. Crazy. Okay.\n\nYeah. Yeah. You too. Okay. Thank you.\n\nBye. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.96,"end":3.46,"sentiment":"neutral","sentiment_score":0.02505317330360413},{"text":"Yeah.","start":8.72,"end":9.04,"sentiment":"neutral","sentiment_score":0.232514426112175},{"text":"That's I'm good.","start":9.04,"end":9.92,"sentiment":"positive","sentiment_score":0.486607293287913},{"text":"How are you?","start":9.92,"end":10.74,"sentiment":"positive","sentiment_score":0.4096158544222514},{"text":"Yes.","start":16.744999,"end":17.145,"sentiment":"neutral","sentiment_score":0.26581913232803345}],"sentiment":"positive","sentiment_score":0.3568951305415895,"num_words":9,"start":2.96,"end":17.145},{"sentences":[{"text":"That's that's fine.","start":17.145,"end":20.125,"sentiment":"positive","sentiment_score":0.45828311642011005},{"text":"That's fine.","start":27.305,"end":28.11,"sentiment":"neutral","sentiment_score":0.13614387810230255},{"text":"Yep.","start":28.51,"end":29.01,"sentiment":"neutral","sentiment_score":0.18185728788375857},{"text":"Yep.","start":35.23,"end":35.73,"sentiment":"neutral","sentiment_score":0.035427290946245193},{"text":"Allison Audra, 16 Gershwin Crescent, Claremont Meadows, New South Wales 2747, 12/09/1983.","start":36.11,"end":45.455,"sentiment":"neutral","sentiment_score":0.03860797438149651}],"sentiment":"neutral","sentiment_score":0.12251144088804722,"num_words":19,"start":17.145,"end":45.455},{"sentences":[{"text":"Yeah.","start":50.075,"end":50.395,"sentiment":"neutral","sentiment_score":0.04423203691840172},{"text":"Okay.","start":50.395,"end":50.895,"sentiment":"neutral","sentiment_score":0.022470949217677116},{"text":"Just the school run and all that.","start":50.955,"end":52.895,"sentiment":"neutral","sentiment_score":-0.038352182667170255},{"text":"And then had no toilet paper, so I had to get into the shops and get up.","start":54.555,"end":59.4,"sentiment":"neutral","sentiment_score":-0.08565075257245232},{"text":"Yeah.","start":59.54,"end":60.02,"sentiment":"neutral","sentiment_score":-0.05630498751997948}],"sentiment":"neutral","sentiment_score":-0.06348629902910304,"num_words":27,"start":50.075,"end":60.02},{"sentences":[{"text":"I was like, no.","start":60.02,"end":61.0,"sentiment":"neutral","sentiment_score":-0.12066757306456566},{"text":"I know.","start":61.38,"end":62.04,"sentiment":"neutral","sentiment_score":-0.1034839116036892},{"text":"I know.","start":62.5,"end":63.22,"sentiment":"neutral","sentiment_score":-0.029796031303703785},{"text":"Right?","start":63.22,"end":63.72,"sentiment":"neutral","sentiment_score":0.0023004356771707535},{"text":"Yeah.","start":65.22,"end":65.72,"sentiment":"neutral","sentiment_score":0.007700900547206402}],"sentiment":"neutral","sentiment_score":-0.07392288418486714,"num_words":10,"start":60.02,"end":65.72},{"sentences":[{"text":"Yeah.","start":77.395,"end":77.895,"sentiment":"neutral","sentiment_score":-0.006490460596978664},{"text":"Yeah.","start":80.19499,"end":80.674995,"sentiment":"neutral","sentiment_score":-0.01100810244679451},{"text":"I'll just jump.","start":80.674995,"end":81.395,"sentiment":"neutral","sentiment_score":-0.01499352790415287},{"text":"I've got my laptop out.","start":81.395,"end":82.8,"sentiment":"neutral","sentiment_score":-0.01800114568322897},{"text":"So I'm not on the emails yet, though.","start":83.68,"end":85.600006,"sentiment":"neutral","sentiment_score":-0.03425239375792444}],"sentiment":"neutral","sentiment_score":-0.023694668068654008,"num_words":18,"start":77.395,"end":85.600006},{"sentences":[{"text":"But, yeah, just thought I'll get it out.","start":85.600006,"end":88.58,"sentiment":"neutral","sentiment_score":0.059220521012321115},{"text":"It's audreyed83@outlook.","start":98.72,"end":101.675,"sentiment":"neutral","sentiment_score":0.011050589848309755},{"text":"Yeah.","start":103.095,"end":103.415,"sentiment":"neutral","sentiment_score":0.005959483794867992},{"text":"You said audreyed eighty at eighty three.","start":103.415,"end":106.715004,"sentiment":"neutral","sentiment_score":-0.005742028854521257},{"text":"I think you said yeah.","start":106.775,"end":110.615005,"sentiment":"neutral","sentiment_score":-0.07767077833414078}],"sentiment":"neutral","sentiment_score":0.0031859451277262496,"num_words":23,"start":85.600006,"end":110.615005},{"sentences":[{"text":"That's okay.","start":110.615005,"end":111.435,"sentiment":"neutral","sentiment_score":0.08014183398336172},{"text":"Yeah.","start":113.4,"end":113.64001,"sentiment":"neutral","sentiment_score":0.15166711807250977},{"text":"So I'm on my emails now.","start":113.64001,"end":115.08,"sentiment":"neutral","sentiment_score":0.12240590776006381},{"text":"Okay.","start":115.08,"end":115.560005,"sentiment":"neutral","sentiment_score":0.09913071990013124},{"text":"Dana Taylor.","start":115.560005,"end":116.54,"sentiment":"neutral","sentiment_score":0.10184300690889359}],"sentiment":"neutral","sentiment_score":0.1124335805264612,"num_words":12,"start":110.615005,"end":116.54},{"sentences":[{"text":"Yep.","start":116.600006,"end":117.100006,"sentiment":"neutral","sentiment_score":0.12284289300441742},{"text":"Yep.","start":119.16,"end":119.560005,"sentiment":"neutral","sentiment_score":0.14342665672302246},{"text":"Okay.","start":119.560005,"end":120.060005,"sentiment":"neutral","sentiment_score":0.05856740474700928},{"text":"It'll say what?","start":125.64,"end":126.495,"sentiment":"neutral","sentiment_score":0.028458137686053913},{"text":"It just says to sign request.","start":134.895,"end":136.835,"sentiment":"neutral","sentiment_score":0.03337093722075224}],"sentiment":"neutral","sentiment_score":0.050869749238093696,"num_words":12,"start":116.600006,"end":136.835},{"sentences":[{"text":"What is yeah.","start":138.975,"end":151.04001,"sentiment":"neutral","sentiment_score":0.023717525104681652},{"text":"So I'm not signing the document because it's saying at the end.","start":151.04001,"end":154.26001,"sentiment":"negative","sentiment_score":-0.36102569848299026},{"text":"So just click on the link.","start":155.315,"end":158.135,"sentiment":"neutral","sentiment_score":-0.05816431281467279},{"text":"Yeah.","start":158.915,"end":159.315,"sentiment":"neutral","sentiment_score":0.06393799185752869},{"text":"Okay.","start":159.315,"end":159.815,"sentiment":"neutral","sentiment_score":0.08762146532535553}],"sentiment":"neutral","sentiment_score":-0.1938514011385648,"num_words":23,"start":138.975,"end":159.815},{"sentences":[{"text":"Okay.","start":166.515,"end":167.015,"sentiment":"neutral","sentiment_score":0.16456514596939087},{"text":"Yeah.","start":169.635,"end":169.86,"sentiment":"neutral","sentiment_score":-0.004003375768661499},{"text":"Okay.","start":171.7,"end":172.2,"sentiment":"neutral","sentiment_score":0.023192742839455605},{"text":"Not yet.","start":187.875,"end":188.535,"sentiment":"neutral","sentiment_score":-0.0789778120815754},{"text":"Hang on a sec.","start":189.795,"end":190.775,"sentiment":"neutral","sentiment_score":-0.04826877359300852}],"sentiment":"neutral","sentiment_score":-0.01858624505499999,"num_words":9,"start":166.515,"end":190.775},{"sentences":[{"text":"Trying to open this link.","start":202.51,"end":203.97,"sentiment":"neutral","sentiment_score":-0.09964049756526946},{"text":"I don't know what this is doing.","start":222.3,"end":223.84001,"sentiment":"neutral","sentiment_score":-0.1473969061459814},{"text":"So no.","start":228.70001,"end":229.5,"sentiment":"neutral","sentiment_score":-0.127676572650671},{"text":"I don't think so.","start":229.5,"end":230.56,"sentiment":"neutral","sentiment_score":-0.15678400546312332},{"text":"So your email just says, hello, Allison.","start":231.5,"end":234.55501,"sentiment":"neutral","sentiment_score":-0.0633394154054778}],"sentiment":"neutral","sentiment_score":-0.11423383623361588,"num_words":25,"start":202.51,"end":234.55501},{"sentences":[{"text":"It's got your name with, like, a few other words, and then it says, like, have you been well, blah blah blah blah blah.","start":234.55501,"end":243.13501,"sentiment":"neutral","sentiment_score":-0.03662558877840638},{"text":"And then yeah.","start":243.435,"end":247.27501,"sentiment":"neutral","sentiment_score":-0.002686665082971255},{"text":"Then there's a link.","start":247.27501,"end":248.155,"sentiment":"neutral","sentiment_score":0.0040830145590007305},{"text":"And I click on the link, and it just takes me to where you guys are located.","start":248.155,"end":252.29,"sentiment":"neutral","sentiment_score":0.006975596441942102},{"text":"Is that and then at the bottom of it, it says to sign document.","start":252.29,"end":257.11,"sentiment":"neutral","sentiment_score":-0.03745449746825865}],"sentiment":"neutral","sentiment_score":-0.020589030528020476,"num_words":62,"start":234.55501,"end":257.11},{"sentences":[{"text":"Yeah.","start":265.105,"end":265.605,"sentiment":"neutral","sentiment_score":0.04213780537247658},{"text":"Yeah.","start":275.345,"end":275.825,"sentiment":"neutral","sentiment_score":0.00141488341614604},{"text":"Well, it just takes me to Google account.","start":275.825,"end":280.69998,"sentiment":"neutral","sentiment_score":-0.07655075378715992},{"text":"That's not no.","start":284.28,"end":285.24,"sentiment":"negative","sentiment_score":-0.37770187854766846},{"text":"Yeah.","start":285.24,"end":285.74,"sentiment":"neutral","sentiment_score":-0.2614596486091614}],"sentiment":"neutral","sentiment_score":-0.14024418755434453,"num_words":14,"start":265.105,"end":285.74},{"sentences":[{"text":"I don't know.","start":285.87997,"end":286.78,"sentiment":"neutral","sentiment_score":-0.28726210196812946},{"text":"Okay.","start":288.43997,"end":288.93997,"sentiment":"negative","sentiment_score":-0.39983129501342773},{"text":"It's annoying.","start":289.15997,"end":290.46,"sentiment":"negative","sentiment_score":-0.603336751461029},{"text":"Okay.","start":294.995,"end":295.395,"sentiment":"neutral","sentiment_score":-0.2767085134983063},{"text":"So I don't know.","start":295.395,"end":296.615,"sentiment":"neutral","sentiment_score":-0.2432299740612507}],"sentiment":"negative","sentiment_score":-0.33799268305301666,"num_words":11,"start":285.87997,"end":296.615},{"sentences":[{"text":"Okay.","start":297.315,"end":297.815,"sentiment":"neutral","sentiment_score":-0.007696595042943955},{"text":"I don't know.","start":325.755,"end":326.23502,"sentiment":"neutral","sentiment_score":-0.24188096821308136},{"text":"I feel like I'm missing something.","start":326.23502,"end":327.775,"sentiment":"negative","sentiment_score":-0.5202189286549886},{"text":"Maybe I'll check it on my phone and see if it's different on my phone.","start":349.885,"end":353.58502,"sentiment":"neutral","sentiment_score":-0.01953032116095225},{"text":"You're not popping up on my phone.","start":398.69,"end":400.47,"sentiment":"neutral","sentiment_score":-0.14817655938012259}],"sentiment":"neutral","sentiment_score":-0.16202636889647692,"num_words":32,"start":297.315,"end":400.47},{"sentences":[{"text":"Okay.","start":404.775,"end":405.275,"sentiment":"neutral","sentiment_score":-0.04987912997603416},{"text":"Yeah.","start":405.73502,"end":406.23502,"sentiment":"neutral","sentiment_score":-0.04967135936021805},{"text":"But it's in my it's in my process inbox on the laptop, but it's not on my side at all.","start":407.655,"end":414.315,"sentiment":"neutral","sentiment_score":-0.086006248742342},{"text":"Oh, no.","start":422.74,"end":423.46,"sentiment":"neutral","sentiment_score":-0.10157021135091782},{"text":"It's coming through.","start":423.46,"end":424.44,"sentiment":"neutral","sentiment_score":-0.06711481635769208}],"sentiment":"neutral","sentiment_score":-0.08237630873918533,"num_words":27,"start":404.775,"end":424.44},{"sentences":[{"text":"It's coming through now.","start":424.66,"end":425.96,"sentiment":"neutral","sentiment_score":-0.02975663123652339},{"text":"I'll just click on your email.","start":427.22,"end":428.84,"sentiment":"neutral","sentiment_score":0.16118413085738817},{"text":"Okay.","start":429.14,"end":429.64,"sentiment":"neutral","sentiment_score":0.11178581416606904},{"text":"No.","start":438.40503,"end":438.90503,"sentiment":"neutral","sentiment_score":-0.1155964583158493},{"text":"Just at the bottom, it says sign document.","start":440.64502,"end":443.14502,"sentiment":"neutral","sentiment_score":-0.037247800501063466}],"sentiment":"neutral","sentiment_score":0.027314260601997375,"num_words":20,"start":424.66,"end":443.14502},{"sentences":[{"text":"Mhmm.","start":445.92502,"end":446.42502,"sentiment":"neutral","sentiment_score":0.005777744110673666},{"text":"So it's it's yeah.","start":465.045,"end":478.64502,"sentiment":"neutral","sentiment_score":-0.02760170618421398},{"text":"It's come up, but it's just blank.","start":478.64502,"end":480.74503,"sentiment":"neutral","sentiment_score":-0.11682508885860443},{"text":"And then at the bottom, it says next document.","start":480.99,"end":483.09,"sentiment":"neutral","sentiment_score":-0.04308905742234654},{"text":"And then I click on next document, it takes me to the next page, but they're all blank.","start":483.71,"end":487.89,"sentiment":"neutral","sentiment_score":-0.07742644774003161}],"sentiment":"neutral","sentiment_score":-0.06933031483995131,"num_words":39,"start":445.92502,"end":487.89},{"sentences":[{"text":"Yeah.","start":498.42502,"end":498.92502,"sentiment":"neutral","sentiment_score":-0.0760192796587944},{"text":"Let me just I'll go back, and I'll try again.","start":499.385,"end":503.165,"sentiment":"neutral","sentiment_score":-0.06391821950674056},{"text":"It's alright.","start":506.185,"end":506.845,"sentiment":"neutral","sentiment_score":-0.12029881775379181},{"text":"Nothing coming up on my end.","start":517.89,"end":520.47003,"sentiment":"neutral","sentiment_score":-0.15709468722343445},{"text":"Yeah.","start":533.835,"end":534.155,"sentiment":"neutral","sentiment_score":-0.08311691135168076}],"sentiment":"neutral","sentiment_score":-0.09907420724630356,"num_words":20,"start":498.42502,"end":534.155},{"sentences":[{"text":"I'm having a 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uh-huh.","start":1269.2151,"end":1271.615,"sentiment":"neutral","sentiment_score":-0.13571304082870483}],"sentiment":"neutral","sentiment_score":-0.17740879261067935,"num_words":28,"start":1252.5499,"end":1271.615},{"sentences":[{"text":"Not like you know what I mean?","start":1271.615,"end":1272.735,"sentiment":"neutral","sentiment_score":-0.228469974228314},{"text":"Like, I would at least cut back, like, you know, hours because I I think I think I'll be a little bit bored and have to do a little like, a little bit of something.","start":1272.735,"end":1282.22,"sentiment":"neutral","sentiment_score":-0.26638788815055575},{"text":"But yeah.","start":1282.28,"end":1283.82,"sentiment":"neutral","sentiment_score":-0.11453163251280785},{"text":"Yeah.","start":1284.68,"end":1285.18,"sentiment":"neutral","sentiment_score":-0.06445129215717316},{"text":"But 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know.","start":1299.505,"end":1300.1649,"sentiment":"neutral","sentiment_score":0.009616308845579624},{"text":"How many years?","start":1300.225,"end":1301.125,"sentiment":"neutral","sentiment_score":0.001214154375096162},{"text":"Twenty five plus years.","start":1303.61,"end":1307.29,"sentiment":"neutral","sentiment_score":-0.0030647076200693846},{"text":"Yeah.","start":1307.29,"end":1307.79,"sentiment":"neutral","sentiment_score":-0.0724007785320282},{"text":"Yeah.","start":1318.89,"end":1319.115,"sentiment":"neutral","sentiment_score":-0.049812350422143936}],"sentiment":"neutral","sentiment_score":-0.010145170783454721,"num_words":11,"start":1299.505,"end":1319.115},{"sentences":[{"text":"And when can we when when can you dip into it so far?","start":1322.075,"end":1325.455,"sentiment":"neutral","sentiment_score":-0.0038980174666413893},{"text":"60.","start":1327.275,"end":1327.775,"sentiment":"neutral","sentiment_score":0.01721363142132759},{"text":"Oh, excellent.","start":1327.835,"end":1328.975,"sentiment":"positive","sentiment_score":0.44980403780937195},{"text":"Okay.","start":1329.4349,"end":1329.755,"sentiment":"neutral","sentiment_score":0.2603316903114319},{"text":"That's the golden 60.","start":1329.755,"end":1331.295,"sentiment":"neutral","sentiment_score":0.22874536365270615}],"sentiment":"neutral","sentiment_score":0.09721241070933286,"num_words":21,"start":1322.075,"end":1331.295},{"sentences":[{"text":"Yeah.","start":1335.87,"end":1336.3501,"sentiment":"neutral","sentiment_score":0.19319431483745575},{"text":"I'm gonna try one of the letter before that.","start":1336.3501,"end":1338.4501,"sentiment":"neutral","sentiment_score":0.07913799666696125},{"text":"Yeah.","start":1341.63,"end":1342.13,"sentiment":"neutral","sentiment_score":0.05032704025506973},{"text":"No 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good.","start":2838.96,"end":2840.18,"sentiment":"positive","sentiment_score":0.5821846425533295}],"sentiment":"positive","sentiment_score":0.3529385761357844,"num_words":8,"start":2807.89,"end":2840.18},{"sentences":[{"text":"Yeah.","start":2841.585,"end":2842.085,"sentiment":"positive","sentiment_score":0.40976840257644653},{"text":"Yeah.","start":2843.025,"end":2843.525,"sentiment":"neutral","sentiment_score":0.1505892425775528},{"text":"Okay.","start":2845.185,"end":2845.685,"sentiment":"neutral","sentiment_score":0.09575808793306352},{"text":"I didn't know you guys did stuff like 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okay.","start":2879.73,"end":2881.99,"sentiment":"neutral","sentiment_score":0.003470521575460831},{"text":"Yeah.","start":2883.17,"end":2883.57,"sentiment":"neutral","sentiment_score":-0.008921709842979908}],"sentiment":"neutral","sentiment_score":-0.004468090283738162,"num_words":26,"start":2870.2249,"end":2883.57},{"sentences":[{"text":"So I'm just like, can you let them know to call me?","start":2883.57,"end":2887.81,"sentiment":"neutral","sentiment_score":-0.01739410621424516},{"text":"And I'm like, yeah.","start":2887.81,"end":2888.93,"sentiment":"neutral","sentiment_score":0.00951658166013658},{"text":"I guess so.","start":2888.93,"end":2889.83,"sentiment":"neutral","sentiment_score":0.006713952248295148},{"text":"Yeah.","start":2902.065,"end":2902.545,"sentiment":"neutral","sentiment_score":0.05184203386306763},{"text":"So I should just send you guys an email with her, like, details and 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people do, though?","start":3252.4849,"end":3254.1848,"sentiment":"neutral","sentiment_score":0.08579181879758835}],"sentiment":"neutral","sentiment_score":0.07302838902581822,"num_words":11,"start":3240.89,"end":3254.1848},{"sentences":[{"text":"Do they just Yeah.","start":3254.4849,"end":3274.675,"sentiment":"neutral","sentiment_score":0.04864080902189016},{"text":"Yeah.","start":3289.5498,"end":3290.0498,"sentiment":"neutral","sentiment_score":0.00742204487323761},{"text":"Yeah.","start":3295.065,"end":3295.385,"sentiment":"neutral","sentiment_score":0.04544806852936745},{"text":"Well, should we increase it to the eighty twenty now and then see how I go and then do a then, like, you I don't know.","start":3295.385,"end":3304.425,"sentiment":"neutral","sentiment_score":0.05592613814112086},{"text":"Let me know how I'm going or and then if you think I need to pull back, let me 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worries.","start":3508.92,"end":3509.66,"sentiment":"neutral","sentiment_score":0.2529068738222122},{"text":"Yeah.","start":3519.575,"end":3520.075,"sentiment":"neutral","sentiment_score":0.04173014312982559},{"text":"Just maybe next Thursday because I'm child free.","start":3520.135,"end":3523.675,"sentiment":"neutral","sentiment_score":0.050347959622740746},{"text":"Yeah.","start":3523.975,"end":3524.475,"sentiment":"neutral","sentiment_score":0.17463678121566772}],"sentiment":"neutral","sentiment_score":0.09471083317811672,"num_words":13,"start":3508.2798,"end":3524.475},{"sentences":[{"text":"Yeah.","start":3527.8,"end":3528.3,"sentiment":"neutral","sentiment_score":0.026855187490582463},{"text":"Yeah.","start":3528.92,"end":3529.32,"sentiment":"neutral","sentiment_score":0.06700335443019867},{"text":"Yeah.","start":3529.32,"end":3529.82,"sentiment":"neutral","sentiment_score":0.09811539947986604},{"text":"Yep.","start":3543.4949,"end":3543.9949,"sentiment":"neutral","sentiment_score":0.16866028308868408},{"text":"Yep.","start":3552.3699,"end":3552.8699,"sentiment":"neutral","sentiment_score":0.11313986033201218}],"sentiment":"neutral","sentiment_score":0.09475481696426868,"num_words":5,"start":3527.8,"end":3552.8699},{"sentences":[{"text":"Okay.","start":3555.41,"end":3555.89,"sentiment":"neutral","sentiment_score":0.11047124862670898},{"text":"No worries.","start":3555.89,"end":3556.53,"sentiment":"neutral","sentiment_score":0.20782716572284698},{"text":"Thank you.","start":3556.53,"end":3557.27,"sentiment":"positive","sentiment_score":0.45081791281700134},{"text":"Yes, please.","start":3560.53,"end":3561.43,"sentiment":"neutral","sentiment_score":0.17257236689329147},{"text":"Yeah.","start":3564.13,"end":3564.63,"sentiment":"neutral","sentiment_score":0.16938886046409607}],"sentiment":"neutral","sentiment_score":0.24278687499463558,"num_words":8,"start":3555.41,"end":3564.63},{"sentences":[{"text":"Yeah.","start":3567.505,"end":3567.585,"sentiment":"neutral","sentiment_score":0.06305298954248428},{"text":"Yeah.","start":3567.585,"end":3567.9849,"sentiment":"neutral","sentiment_score":0.03546818718314171},{"text":"Because, like, last time when I had the book week, and I didn't even know it was on oh, no.","start":3567.9849,"end":3574.625,"sentiment":"neutral","sentiment_score":-0.01773285111412406},{"text":"It was a sports carnival.","start":3574.625,"end":3575.845,"sentiment":"neutral","sentiment_score":-0.042343078553676604},{"text":"Sorry.","start":3575.905,"end":3576.305,"sentiment":"neutral","sentiment_score":-0.04428807273507118}],"sentiment":"neutral","sentiment_score":-0.018290689680725336,"num_words":28,"start":3567.505,"end":3576.305},{"sentences":[{"text":"The sports carnival.","start":3576.305,"end":3577.345,"sentiment":"neutral","sentiment_score":-0.026500607530275982},{"text":"And I'm like, oh, no.","start":3577.345,"end":3579.265,"sentiment":"neutral","sentiment_score":-0.026104607060551642},{"text":"I had to ring up to say sorry.","start":3579.265,"end":3581.205,"sentiment":"neutral","sentiment_score":-0.05495062842965126},{"text":"Yeah.","start":3583.71,"end":3584.21,"sentiment":"neutral","sentiment_score":0.10663194954395294},{"text":"Yeah.","start":3588.9102,"end":3589.4102,"sentiment":"neutral","sentiment_score":0.15439487993717194}],"sentiment":"neutral","sentiment_score":-0.021589058658315077,"num_words":18,"start":3576.305,"end":3589.4102},{"sentences":[{"text":"Yeah.","start":3593.95,"end":3594.4302,"sentiment":"neutral","sentiment_score":0.05579864978790283},{"text":"Thank you.","start":3594.4302,"end":3595.33,"sentiment":"neutral","sentiment_score":0.17489943653345108},{"text":"Yeah.","start":3596.35,"end":3596.655,"sentiment":"neutral","sentiment_score":0.043386854231357574},{"text":"Yeah.","start":3597.135,"end":3597.615,"sentiment":"neutral","sentiment_score":0.051663223654031754},{"text":"Yeah.","start":3597.615,"end":3597.935,"sentiment":"neutral","sentiment_score":0.09156178683042526}],"sentiment":"neutral","sentiment_score":0.09870156459510326,"num_words":6,"start":3593.95,"end":3597.935},{"sentences":[{"text":"Yeah.","start":3597.935,"end":3598.435,"sentiment":"neutral","sentiment_score":0.05590246990323067},{"text":"Thank you.","start":3599.855,"end":3600.675,"sentiment":"neutral","sentiment_score":0.18917863070964813},{"text":"Thank you.","start":3600.735,"end":3601.395,"sentiment":"neutral","sentiment_score":0.24121423810720444},{"text":"Yeah.","start":3608.495,"end":3608.995,"sentiment":"neutral","sentiment_score":0.003048492595553398},{"text":"Yeah.","start":3611.055,"end":3611.555,"sentiment":"neutral","sentiment_score":0.05117933079600334}],"sentiment":"neutral","sentiment_score":0.1387022901326418,"num_words":7,"start":3597.935,"end":3611.555},{"sentences":[{"text":"I will.","start":3611.695,"end":3612.355,"sentiment":"positive","sentiment_score":0.47484664618968964},{"text":"Okay.","start":3612.63,"end":3613.13,"sentiment":"positive","sentiment_score":0.4600420594215393},{"text":"Alright.","start":3613.91,"end":3614.23,"sentiment":"positive","sentiment_score":0.45846685767173767},{"text":"Thank you.","start":3614.23,"end":3614.97,"sentiment":"positive","sentiment_score":0.6264736652374268},{"text":"Yeah.","start":3615.8298,"end":3616.23,"sentiment":"positive","sentiment_score":0.3715879321098328}],"sentiment":"positive","sentiment_score":0.4989624960081918,"num_words":7,"start":3611.695,"end":3616.23},{"sentences":[{"text":"Thanks for everything.","start":3616.23,"end":3617.2898,"sentiment":"positive","sentiment_score":0.47782795627911884},{"text":"You know you know your stuff.","start":3617.99,"end":3620.47,"sentiment":"neutral","sentiment_score":0.14954227209091187},{"text":"And, yeah, I don't know how you learned this.","start":3620.47,"end":3624.23,"sentiment":"neutral","sentiment_score":-0.0032927242832051376},{"text":"Like, how long did this take at uni?","start":3624.23,"end":3626.075,"sentiment":"neutral","sentiment_score":-0.005061750533059239},{"text":"Yeah.","start":3635.9749,"end":3636.4749,"sentiment":"neutral","sentiment_score":0.008203343488276005}],"sentiment":"neutral","sentiment_score":0.08403008600214014,"num_words":27,"start":3616.23,"end":3636.4749},{"sentences":[{"text":"Wow.","start":3638.455,"end":3638.775,"sentiment":"neutral","sentiment_score":0.19532360136508944},{"text":"Wow.","start":3638.775,"end":3639.275,"sentiment":"neutral","sentiment_score":0.14956718683242798},{"text":"Yeah.","start":3640.24,"end":3640.48,"sentiment":"neutral","sentiment_score":0.09794627130031586},{"text":"Crazy.","start":3640.48,"end":3640.98,"sentiment":"neutral","sentiment_score":0.08267216384410858},{"text":"Okay.","start":3643.76,"end":3644.26,"sentiment":"neutral","sentiment_score":0.08072936534881592}],"sentiment":"neutral","sentiment_score":0.12124771773815154,"num_words":5,"start":3638.455,"end":3644.26},{"sentences":[{"text":"Yeah.","start":3645.76,"end":3646.26,"sentiment":"neutral","sentiment_score":0.16088074445724487},{"text":"Yeah.","start":3647.6,"end":3647.9202,"sentiment":"neutral","sentiment_score":0.28692203760147095},{"text":"You too.","start":3647.9202,"end":3648.6602,"sentiment":"neutral","sentiment_score":0.25187109410762787},{"text":"Okay.","start":3649.04,"end":3649.52,"sentiment":"neutral","sentiment_score":0.24859175086021423},{"text":"Thank you.","start":3649.52,"end":3650.34,"sentiment":"positive","sentiment_score":0.6164142191410065}],"sentiment":"positive","sentiment_score":0.3475664513451712,"num_words":7,"start":3645.76,"end":3650.34},{"sentences":[{"text":"Bye.","start":3650.48,"end":3650.98,"sentiment":"neutral","sentiment_score":0.2511390149593353},{"text":"Bye.","start":3651.76,"end":3652.24,"sentiment":"neutral","sentiment_score":0.15945610404014587},{"text":"Bye.","start":3652.24,"end":3652.74,"sentiment":"neutral","sentiment_score":-0.1250622570514679}],"sentiment":"neutral","sentiment_score":0.09517762064933777,"num_words":3,"start":3650.48,"end":3652.74}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Allison. This is Dana from Oakview Financial. How are you this this morning? Sorry.\n\nChannel 1: Yeah. That's I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yes. That's that's\n\nChannel 0: Fantastic.\n\nChannel 1: fine.\n\nChannel 0: Before we jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Beautiful. And just to do security there with you, we're supposed to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Yep. Allison Audra, 16 Gershwin Crescent, Claremont Meadows, New South Wales 2747, 12/09/1983.\n\nChannel 0: Beautiful. Thank you so much for that. How's your morning been so far?\n\nChannel 1: Yeah. Okay. Just the school\n\nChannel 0: Oh,\n\nChannel 1: run and all that.\n\nChannel 0: so busy then.\n\nChannel 1: And then had no toilet paper, so I had to get into the shops and\n\nChannel 0: Oh,\n\nChannel 1: get up.\n\nChannel 0: no.\n\nChannel 1: Yeah.\n\nChannel 0: No\n\nChannel 1: I was like,\n\nChannel 0: toilet\n\nChannel 1: no.\n\nChannel 0: paper and children\n\nChannel 1: I\n\nChannel 0: isn't\n\nChannel 1: know.\n\nChannel 0: a good combination.\n\nChannel 1: I know. Right? Yeah.\n\nChannel 0: Oh, look. All good. Look. I'll try to set up too much of your practice, Sam. I can see that you're clearly very busy today.\n\nI don't normally send through some annual review documents for you for you to run through with me. Are\n\nChannel 1: Yeah.\n\nChannel 0: you okay to look at your emails? Or\n\nChannel 1: Yeah. I'll just jump. I've got my laptop out.\n\nChannel 0: no\n\nChannel 1: So\n\nChannel 0: worries.\n\nChannel 1: I'm not\n\nChannel 0: I'll\n\nChannel 1: on\n\nChannel 0: just\n\nChannel 1: the\n\nChannel 0: send\n\nChannel 1: emails yet, though. But,\n\nChannel 0: that's\n\nChannel 1: yeah,\n\nChannel 0: okay.\n\nChannel 1: just\n\nChannel 0: You're\n\nChannel 1: thought\n\nChannel 0: fine.\n\nChannel 1: I'll get it out.\n\nChannel 0: I'll just send that through to you. Your email address I have is aldred83@outlook.com. Is that right?\n\nChannel 1: It's audreyed83@outlook.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. You said\n\nChannel 0: And .com@theend?\n\nChannel 1: audreyed\n\nChannel 0: Yeah.\n\nChannel 1: eighty at eighty three. I think you\n\nChannel 0: Oh,\n\nChannel 1: said\n\nChannel 0: I'm so sorry. I got a bit tongue tied there. My apologies.\n\nChannel 1: yeah. That's okay.\n\nChannel 0: Oh, good.\n\nChannel 1: Yeah. So I'm on my emails now. Okay. Dana Taylor. Yep.\n\nChannel 0: Yep. That's the one. Thank you.\n\nChannel 1: Yep.\n\nChannel 0: When you\n\nChannel 1: Okay.\n\nChannel 0: open that one there, it'll have a button that says, I believe, click the start.\n\nChannel 1: It'll say what?\n\nChannel 0: Click to start at the very top.\n\nChannel 1: It just says to sign request. What\n\nChannel 0: Yes.\n\nChannel 1: is\n\nChannel 0: Yes. Perfect. Sorry. They've updated that. It used to say click the start, then you go through to the next document.\n\nSo yeah. So press that button, and then if you go through, it should say the summary of your granulation and insurances.\n\nChannel 1: yeah. So I'm not signing the document because it's saying\n\nChannel 0: No.\n\nChannel 1: at the\n\nChannel 0: No.\n\nChannel 1: end.\n\nChannel 0: Not correct.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: No.\n\nChannel 1: click\n\nChannel 0: It's\n\nChannel 1: on\n\nChannel 0: just\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: link.\n\nChannel 0: yep.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And it'll take you through so you can view the documents and run through them all. It doesn't ask you to sign anything until you have read them all through, and you're\n\nChannel 1: Okay.\n\nChannel 0: welcome to take them back and review them prior to signing. I'll never ask you to\n\nChannel 1: Yeah.\n\nChannel 0: sign anything\n\nChannel 1: Okay.\n\nChannel 0: you haven't read. Just the first document should say summary of superannuation and insurance is there. Can you see that one? Is that nice and clear in front of you?\n\nChannel 1: Not yet.\n\nChannel 0: Oh, sorry.\n\nChannel 1: Hang on a sec.\n\nChannel 0: No. No. You're fine.\n\nChannel 1: Trying to open this link. I don't know what this is doing.\n\nChannel 0: No. That's okay. Is it loading? Or\n\nChannel 1: So no. I don't think so. So your email just says, hello, Allison. It's got your name with,\n\nChannel 0: mhmm.\n\nChannel 1: like, a few other words, and then it says,\n\nChannel 0: Yep.\n\nChannel 1: like, have you been well, blah blah blah blah blah. And\n\nChannel 0: Yep.\n\nChannel 1: then yeah. Then there's a link. And I click on the link, and it just takes me to where you guys are located. Is that and then at the bottom\n\nChannel 0: That's\n\nChannel 1: of it, it says\n\nChannel 0: oh,\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: sign\n\nChannel 0: No. So\n\nChannel 1: document.\n\nChannel 0: at yeah. If you're supposed to assign documents, what does that do? It should take you forward so you can see the document. It used to have at the very top on the bottom\n\nChannel 1: Yeah.\n\nChannel 0: depending on what you're looking at the documents on, whether it be a phone or a computer. It used to have a button that said click and assign, and you could click that button, and it would take you through so you can see the next document or the first\n\nChannel 1: Yeah.\n\nChannel 0: document.\n\nChannel 1: Well, it just takes me to Google account.\n\nChannel 0: Yeah. No. That's definitely not the spot we want you\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: not\n\nChannel 0: be.\n\nChannel 1: no. Yeah. I don't know. Okay. It's annoying.\n\nChannel 0: If\n\nChannel 1: Okay.\n\nChannel 0: you go\n\nChannel 1: So\n\nChannel 0: out,\n\nChannel 1: I\n\nChannel 0: then\n\nChannel 1: don't\n\nChannel 0: go back\n\nChannel 1: know.\n\nChannel 0: in again.\n\nChannel 1: Okay.\n\nChannel 0: That's okay. I'll just resend the documents through you as well because that might help.\n\nChannel 1: I don't know. I feel like I'm missing something.\n\nChannel 0: Yeah. Normally, when you go in, there's a button at the very top of the screen. It says normally, it says click to sign unless they've changed it, but it normally is at the top of the screen or the bottom of the screen. And it it says click to sign or click to start.\n\nChannel 1: Maybe I'll check it on my phone and see if\n\nChannel 0: Yeah.\n\nChannel 1: it's different\n\nChannel 0: You're right.\n\nChannel 1: on my phone.\n\nChannel 0: I've just reset them to you as well. So there should be a new link coming because it could've been the link.\n\nChannel 1: You're not popping up on my phone.\n\nChannel 0: No? Has it gone to the the junk mail at all?\n\nChannel 1: Okay.\n\nChannel 0: Sometimes I get a direct\n\nChannel 1: Yeah.\n\nChannel 0: to junk. If not, I can just\n\nChannel 1: But\n\nChannel 0: run\n\nChannel 1: it's\n\nChannel 0: through\n\nChannel 1: in\n\nChannel 0: things\n\nChannel 1: my it's\n\nChannel 0: for\n\nChannel 1: in my\n\nChannel 0: you.\n\nChannel 1: process inbox on the\n\nChannel 0: Oh.\n\nChannel 1: laptop, but it's not\n\nChannel 0: Yep.\n\nChannel 1: on my side at all.\n\nChannel 0: That's I've had it it happened once or twice before. It's like some of the emails register or receive a fax and others depending on what\n\nChannel 1: Oh,\n\nChannel 0: you're\n\nChannel 1: no.\n\nChannel 0: connected\n\nChannel 1: It's\n\nChannel 0: to\n\nChannel 1: coming\n\nChannel 0: and\n\nChannel 1: through.\n\nChannel 0: receiving.\n\nChannel 1: It's coming through now.\n\nChannel 0: Yeah. Oh, perfect.\n\nChannel 1: I'll just click on your email. Okay.\n\nChannel 0: That's okay. And at the top, is there a button that says click to sign or click to start or sign document?\n\nChannel 1: No. Just at the\n\nChannel 0: Is\n\nChannel 1: bottom,\n\nChannel 0: there any\n\nChannel 1: it says sign document.\n\nChannel 0: yes. So click on that button there,\n\nChannel 1: Mhmm.\n\nChannel 0: and it should take you to the next document. And on the top of that next document, it should say summary of superannuation and insurances as of yesterday's date.\n\nChannel 1: So\n\nChannel 0: Is that\n\nChannel 1: it's\n\nChannel 0: loading for you at the moment\n\nChannel 1: it's\n\nChannel 0: or\n\nChannel 1: yeah. It's come up, but it's just blank. And then at the bottom, it says\n\nChannel 0: Oh.\n\nChannel 1: next document. And then I click on next document, it takes me to the next page, but they're all blank.\n\nChannel 0: If oh, it's like it hasn't loaded correctly because there's definitely like, I'm looking at the email on this side of it. I can see there's definitely writing in the documents. Like, they're not loading correctly.\n\nChannel 1: Yeah. Let\n\nChannel 0: It\n\nChannel 1: me just\n\nChannel 0: might be just the\n\nChannel 1: I'll\n\nChannel 0: way\n\nChannel 1: go\n\nChannel 0: it's been\n\nChannel 1: back,\n\nChannel 0: being\n\nChannel 1: and I'll try again.\n\nChannel 0: yeah. That's okay. I'm so sorry.\n\nChannel 1: It's alright. Nothing coming up on my end.\n\nChannel 0: Is there a, like, a next like, a button that you can sort of scroll across back and forth throughout the documents at all?\n\nChannel 1: Yeah. I'm having a lot. Scrolling. Nothing's happening.\n\nChannel 0: It's like it's just taking a lot longer to load\n\nChannel 1: Yeah.\n\nChannel 0: to register\n\nChannel 1: Probably.\n\nChannel 0: because it's definitely that's okay. If\n\nChannel 1: Otherwise,\n\nChannel 0: it's easier,\n\nChannel 1: they're not working\n\nChannel 0: I can\n\nChannel 1: on the laptop.\n\nChannel 0: I'm not sure. If you go back to the laptop and you press that same button, just see\n\nChannel 1: Yeah.\n\nChannel 0: if it does the same thing for you. Because it's just like the documents aren't being they're not being loaded correctly or\n\nChannel 1: Yeah.\n\nChannel 0: love technology when it wants to work for us.\n\nChannel 1: Okay. It's working on the laptop. It's not working on the\n\nChannel 0: Okay. No. That's okay. It's just the way it's sort of being received and downloaded. That's okay.\n\nIt's just easier if you're able to see them. We get there in the end. It's all good. I love technology when it wants to work in our favor.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That's all good.\n\nChannel 1: Okay.\n\nChannel 0: The first one there is your summary showing you your updated balance there. So so can I give you a view last year\n\nChannel 1: So\n\nChannel 0: at this time?\n\nChannel 1: it is\n\nChannel 0: Sorry?\n\nChannel 1: approximate\n\nChannel 0: Yep.\n\nChannel 1: benefit. Is that how much I have in my system?\n\nChannel 0: That's your balance as of yesterday's date there.\n\nChannel 1: Wow.\n\nChannel 0: Correct. So if\n\nChannel 1: That's\n\nChannel 0: we look\n\nChannel 1: good.\n\nChannel 0: at it last year, your balance is a 144,505 a $144,509.99 there, and you're sitting\n\nChannel 1: Yes.\n\nChannel 0: at a $162,287.50 there as of yesterday's date, which is\n\nChannel 1: Yeah.\n\nChannel 0: good. That's what we\n\nChannel 1: Okay.\n\nChannel 0: wanna see.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: good. And what what\n\nChannel 0: Yeah.\n\nChannel 1: about when I joined? How much did I have when I joined?\n\nChannel 0: You're right. I can go back and look at that for you as well. That is absolutely fine. Two seconds. I'll just go into the stuff file and look at the original advice piece.\n\nThat was 2024. So back then, we had a record super balance of 116 so 121,319 within Tessa. The starting balance in Hub '24 was 116,919 after the implementation date end. So we\n\nChannel 1: That's\n\nChannel 0: started with\n\nChannel 1: good.\n\nChannel 0: 116,000. We worked up to\n\nChannel 1: Yes.\n\nChannel 0: a 144 last year, and then we're now seeing at a $162,287.50 there, which\n\nChannel 1: Yeah.\n\nChannel 0: is good.\n\nChannel 1: That's\n\nChannel 0: That's what\n\nChannel 1: good.\n\nChannel 0: we wanna see.\n\nChannel 1: Yeah. That's\n\nChannel 0: But\n\nChannel 1: good.\n\nChannel 0: we wanna make sure it continues to work harder for you as well.\n\nChannel 1: Yes.\n\nChannel 0: So your balance is doing really well. When I sort of look at how things have performed, some people do prefer a job as opposed to a percentage, so I like to give both. When we look at the income plus the growth within the portfolio over the past twelve months, we've essentially made eleven thousand one hundred and forty seven dollars and ten cents as in growth and income within the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: It equates to about a 6.80% return, so it is very on par for where we'd expect your super to be. It is\n\nChannel 1: Okay.\n\nChannel 0: really good that it has returned that. This year has been very up and down with the market, and we have seen a lot of volatility there. But from sort of July onwards, we've seen a bit more of a not so much stable, but more stability within the market there. So it has\n\nChannel 1: Yep.\n\nChannel 0: performed really well. However, I do wanna update some advice because there is some changes I would like to make to your super, and I've I've found some areas that we can definitely look to improve on your performance and try to make sure it's working longer term for you. And that's part of what we do\n\nChannel 1: Yeah.\n\nChannel 0: is to make sure\n\nChannel 1: Okay.\n\nChannel 0: we update the advice and make changes as we need to so that your future is reflective and working harder towards your goals long term for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. On the bottom there, you've got your insurance notice. So you've got some life and TDD and some income protection there as well. In the event of passing, if you were to say pass away today, your life cover pays out 819,000, and then your super balance is paid on top of that.\n\nChannel 1: Yes.\n\nChannel 0: Am I right in assuming you probably want all that paid to Aaron to cover bills, expenses, living costs?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Are you fairly happy with that level of cover? Did you wanna kinda look at reviewing that at all?\n\nChannel 1: I don't know.\n\nChannel 0: That's okay. Well, we\n\nChannel 1: Yeah.\n\nChannel 0: can talk about it. It's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine.\n\nChannel 1: I guess so.\n\nChannel 0: If it's\n\nChannel 1: Of course, I'll\n\nChannel 0: yeah.\n\nChannel 1: I'll\n\nChannel 0: That's\n\nChannel 1: like it to be more, but you know\n\nChannel 0: absolutely. I mean, if\n\nChannel 1: yeah.\n\nChannel 0: you sort of look at the amount that you are covered for, so if we kinda\n\nChannel 1: Yeah.\n\nChannel 0: break it down to make it a bit easier because that might\n\nChannel 1: Yes.\n\nChannel 0: make it helpful. If we look at that, so your super plus your life insurance essentially comes to about 981,287.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: On your main primary residence, I haven't noticed you don't have any debt. Is that correct? Your debt rate on your main primary home?\n\nChannel 1: We do have a mortgage.\n\nChannel 0: You do have a mortgage. Do you know how much you have owing on that?\n\nChannel 1: I think about 3 something or 400,000, something like that.\n\nChannel 0: Yep. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Yeah. Like, no personal debts or anything like that.\n\nChannel 0: okay.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: We're\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: okay.\n\nChannel 1: paying the mortgage. Yep.\n\nChannel 0: So I had there's a debt owing on the investment property of 350. Is that what you have on the investment property, or would that have been the two loans combined?\n\nChannel 1: On the investment, we have it's less than that. It's not $3.50.\n\nChannel 0: Mhmm.\n\nChannel 1: I think we bought the house for $3.50, so it's less than that. Yeah. So it's probably around 300.\n\nChannel 0: Mhmm. 300 on that one. Beautiful. And, sir,\n\nChannel 1: Yeah.\n\nChannel 0: how much did you say was on the main primary residence at the\n\nChannel 1: About\n\nChannel 0: moment?\n\nChannel 1: 400.\n\nChannel 0: About 400. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Save those for you. Lovely. So, realistically, if you think about the level of cover that you have at the moment there, the 981, if you then sort of have that paid out to cover the two mortgages, that\n\nChannel 1: Yes.\n\nChannel 0: would essentially roughly leave about 281,000 for Aaron to, you know, have paid out both of those loans, be completely debt free, collect income from the investment property, and then,\n\nChannel 1: Yeah.\n\nChannel 0: you know, take some time off to recover. Do you feel like that would be fairly okay?\n\nChannel 1: Well, we probably wouldn't we'd probably sell the investment anyway.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Like yeah. So we wouldn't keep both houses, so we'll just need one to live in. But,\n\nChannel 0: Yes.\n\nChannel 1: like, obviously, because it's an investment, that'll just sell eventually, and then that's the plan.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And then yeah. I don't know. I'm not very good with, like, all these numbers and stuff, but yeah.\n\nChannel 0: That's okay. That you're\n\nChannel 1: That's\n\nChannel 0: honestly\n\nChannel 1: like\n\nChannel 0: fine. It's\n\nChannel 1: this\n\nChannel 0: more\n\nChannel 1: is like Aaron's, like, you know,\n\nChannel 0: here's the name. Yeah.\n\nChannel 1: he's the man. Yeah. I'm just like, yeah. Whatever. Yeah.\n\nChannel 0: That's okay. That's definitely fine. If you like, after\n\nChannel 1: Yeah.\n\nChannel 0: the call, I can send through a breakdown of your insurance cover. That way, you're able to\n\nChannel 1: Yeah.\n\nChannel 0: sort of have a chat to them about it.\n\nChannel 1: Yeah.\n\nChannel 0: And then if you decide you wanna review that or reassess it, you're welcome to let me know. How does that sound?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yes. Beautiful. Income wise, I had you on about 55,000 per annum. Has that increased at all recently, recently, or are\n\nChannel 1: For my\n\nChannel 0: you\n\nChannel 1: income?\n\nChannel 0: still the\n\nChannel 1: Yeah. I think I was on\n\nChannel 0: same?\n\nChannel 1: maternity leave when I joined you\n\nChannel 0: Yeah.\n\nChannel 1: guys, and so I'm\n\nChannel 0: Yeah.\n\nChannel 1: back full time now. So\n\nChannel 0: Yep.\n\nChannel 1: I earned a 100 this year. 100,000.\n\nChannel 0: A 100,000? Let's update\n\nChannel 1: Mhmm.\n\nChannel 0: that for you. Absolutely. So, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: I mean, if you looked at the level of cover you have at the moment and I'll break this down in the email for you just to provide clarification so you can kinda break it through and talk about the outcome. But if you were to sort of, you know, take the level of cover you have, pay off the main primary residence, that essentially leaves about $581,002.87 roughly. And then\n\nChannel 1: Yes.\n\nChannel 0: dividing that by that money, that certainly gives a little over, you know, five years worth of income replacement on top of that. And then if he wants to sell the investment property, clear that loan, there could be additional funds there to support him in the event of you passing. So we tend to kinda look at it that way\n\nChannel 1: Yes.\n\nChannel 0: and sort of see, does that kind of meet your goal? Does that provide sufficient color for you based on that sort of outcome at the moment? Or\n\nChannel 1: That's hard questions.\n\nChannel 0: I will ask all the questions you probably never thought of to answer.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: promise.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. I can keep it as is for the time being for the noting that at the moment, it's it's, you know, a pretty comfortable level, and then I'll email that through to you at the end of the\n\nChannel 1: Yeah.\n\nChannel 0: call. That way, you can sit down with Aaron for the level of cover you have, talk about what your goals are. And if you wanna\n\nChannel 1: Yeah.\n\nChannel 0: look at increasing that or changing it, you just let me know. We can come back to any kind of re review\n\nChannel 1: Okay.\n\nChannel 0: that for you.\n\nChannel 1: No worries.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: You do have this. You've got the same amount of CBD cover. So, again, I can put that in the email there. Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover?\n\nChannel 1: Yeah. Oh my god. Lots to think about. I'm, like, brain dead this morning as well. I have brain fog.\n\nChannel 0: Oh, you're\n\nChannel 1: Yeah.\n\nChannel 0: you're fine.\n\nChannel 1: Like, no.\n\nChannel 0: No. That\n\nChannel 1: Seriously, I do. Like, I'm just, like, my mother-in-law's sick, looking after her nursing\n\nChannel 0: So sorry.\n\nChannel 1: twenty four seven kids. It's just yeah. That's why I've\n\nChannel 0: It's\n\nChannel 1: had\n\nChannel 0: a\n\nChannel 1: to\n\nChannel 0: lot.\n\nChannel 1: re like, this phone never answered my phone. This is\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No. Of course.\n\nChannel 1: Yeah. It's just\n\nChannel 0: Absolutely.\n\nChannel 1: a lot. But\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: we are also yeah. That's alright. I can I'll break down the the information in the email for you. You can sort\n\nChannel 1: Okay.\n\nChannel 0: of see it after the call just to kind of be able to mull it over.\n\nChannel 1: Mhmm.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: just to give you a little bit of information now, so total permanent disability, it basically pays out a lump sum or an income if you're\n\nChannel 1: Yeah.\n\nChannel 0: never able to go back to work again due to disability.\n\nChannel 1: Okay.\n\nChannel 0: You do have the same level of cover at the moment, and\n\nChannel 1: Yeah.\n\nChannel 0: it means that if you were to claim on that, the amount received could be, essentially, with your super balance included, the same as your life cover. So it does provide pretty sufficient cover. It could pay out the mortgage\n\nChannel 1: Yeah.\n\nChannel 0: and then provide a little bit of additional income thereafter.\n\nChannel 1: Yes.\n\nChannel 0: Sorry. I just I think I do apologize.\n\nChannel 1: That's alright.\n\nChannel 0: But I'll write that down so you can talk to Aaron as to weigh it up\n\nChannel 1: Yeah. So do\n\nChannel 0: because\n\nChannel 1: you think\n\nChannel 0: there\n\nChannel 1: that\n\nChannel 0: is\n\nChannel 1: is enough?\n\nChannel 0: a lot to sort of take into. It is a really good amount of cover.\n\nChannel 1: Okay.\n\nChannel 0: I mean, the other thing is that you do pay for these out of your super. So having more cover means that you get more in the event of a claim. But, realistically, we're trying to we're trying to protect ourselves against the risk of something occurring. It might\n\nChannel 1: Yeah.\n\nChannel 0: only be a very small chance that we actually claim on these. And the\n\nChannel 1: Yeah.\n\nChannel 0: biggest risk we have insurance is that we pay the premium, and then we get to retirement, and we cancel the cover. We've never claimed on them, but we don't get the premiums back as well. So that's essentially the ultimate risk we have with insurances. So\n\nChannel 1: Yeah.\n\nChannel 0: we'd like to just make sure there's a level of cover that you're comfortable with in the event of something occurring, but also\n\nChannel 1: Yep.\n\nChannel 0: making sure it's not too expensive because it does eat it can eat away your sleep, but if the premiums are too expensive. And,\n\nChannel 1: Okay.\n\nChannel 0: ultimately,\n\nChannel 1: Yeah.\n\nChannel 0: you work, you know, forty odd\n\nChannel 1: Yeah.\n\nChannel 0: years to get to retirement.\n\nChannel 1: Am I right?\n\nChannel 0: You wanna\n\nChannel 1: Yeah.\n\nChannel 0: enjoy that retirement.\n\nChannel 1: Exactly. I've they need to lower their retirement age. It's just I don't wanna work anymore.\n\nChannel 0: What what age do you think you'd like to retire? What's your goal age at the moment?\n\nChannel 1: I could I would retire today if I could. We're\n\nChannel 0: Oh,\n\nChannel 1: not\n\nChannel 0: me too.\n\nChannel 1: uh-huh. Not like you know what I mean? Like, I would at least\n\nChannel 0: Yeah.\n\nChannel 1: cut back, like, you know, hours\n\nChannel 0: Yep.\n\nChannel 1: because I I think I think I'll be a little bit bored and have to do a little like, a little bit of something. But yeah. Yeah. But yeah. I could I could stop now.\n\nI'm\n\nChannel 0: Yeah.\n\nChannel 1: 42. So, yeah, it's like a good age. I've been working since I was 15. Yeah.\n\nChannel 0: You've worked a really long time.\n\nChannel 1: I know. How many years? Twenty five plus\n\nChannel 0: Yeah.\n\nChannel 1: years.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: You've you've worked hard, and there's still a few more years to go. I mean, yours is the same age as me, so we can't technically retire to the age of 60 there as the earliest opportunity currently.\n\nChannel 1: Yeah.\n\nChannel 0: But I know by the time we get there, we will have worked a lifetime.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: when\n\nChannel 0: then\n\nChannel 1: can we\n\nChannel 0: when you think\n\nChannel 1: when\n\nChannel 0: about\n\nChannel 1: when can you dip into it so far?\n\nChannel 0: at at 60.\n\nChannel 1: 60. Oh, excellent.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. That's\n\nChannel 0: Yeah.\n\nChannel 1: the golden 60.\n\nChannel 0: Yep. Beautiful. I like that. The best earliest opportunity will access\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: I'm gonna try one of the letter before that.\n\nChannel 0: Well, if you do, let me know.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: No worries at all. So I'll keep your insurances as they are for the moment there. You do\n\nChannel 1: Yeah.\n\nChannel 0: also have income protection. It essentially does payout an income benefit if you're unable to work in the shorter term. So say you're due you're off work due to being very heavily sick, you've broken a leg,\n\nChannel 1: Yes.\n\nChannel 0: or you can't go to work for that ninety days.\n\nChannel 1: Okay.\n\nChannel 0: Based on your level\n\nChannel 1: So,\n\nChannel 0: of income protection\n\nChannel 1: yeah,\n\nChannel 0: sorry.\n\nChannel 1: it says\n\nChannel 0: You're right.\n\nChannel 1: 2,600,\n\nChannel 0: Yep.\n\nChannel 1: and then that won't be paid until after three months. Is that what it's saying?\n\nChannel 0: That's correct. Yeah. You've got\n\nChannel 1: Yeah.\n\nChannel 0: a ninety day waiting period. So that means you would just have to be off work for ninety days before you can make that claim,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: the claim tends to be paid, say, thirty days after that. So, realistically, you're waiting a hundred and twenty days before your first payment comes in.\n\nChannel 1: Yeah.\n\nChannel 0: With income protection, just so you have a little bit of information, if we base your income, you said you're you made about a 100,000 last year.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So we\n\nChannel 1: Surprisingly.\n\nChannel 0: look at that, and then you can't that's\n\nChannel 1: Yeah.\n\nChannel 0: okay. If you look at that, we realistically, they have you covered with the maximum benefit payable because income protection can pay up to 70 percent of your pre disability earnings. A 100,000 means you would realistically need to be insured for 5,833. But in saying that, if Aaron's the main primary breadwinner, does he bring in enough money to cover your bills? Or if you were off work, would you need to have that income protection coming in to support you guys, or would it just be extra?\n\nChannel 1: I don't think we can live off just one wage, so\n\nChannel 0: Yep.\n\nChannel 1: we would need extra.\n\nChannel 0: Yep. Would\n\nChannel 1: Yeah.\n\nChannel 0: you say that 2,600\n\nChannel 1: Oh,\n\nChannel 0: pretax\n\nChannel 1: is this monthly?\n\nChannel 0: would be comfortable? Yeah. That's the monthly benefit.\n\nChannel 1: Monthly, not weekly. I mean, or\n\nChannel 0: No.\n\nChannel 1: fortnightly.\n\nChannel 0: Sorry. Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Yeah. That's alright. Yeah. So you're saying to increase it?\n\nChannel 0: If you need to, yeah. So it also\n\nChannel 1: Yeah.\n\nChannel 0: comes down to, you know, if if that amount would be sufficient. So the other thing to think about and I'll put this in the email because it is a lot to take in. The income\n\nChannel 1: Yep.\n\nChannel 0: protection, that monthly benefit you're looking at,\n\nChannel 1: Yeah.\n\nChannel 0: that is also a free tax benefit. So the same as you pay income tax on your employer, that would\n\nChannel 1: Yes.\n\nChannel 0: also be subject to income tax. So, realistically, you might get 2,300 or just over $2,000 as a monthly\n\nChannel 1: So\n\nChannel 0: benefit.\n\nChannel 1: you'd get taxed on that. Is that what you're saying?\n\nChannel 0: You do, unfortunately. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: They\n\nChannel 1: Yeah. You\n\nChannel 0: they\n\nChannel 1: get\n\nChannel 0: take\n\nChannel 1: taxed\n\nChannel 0: us\n\nChannel 1: on\n\nChannel 0: in\n\nChannel 1: everything.\n\nChannel 0: every way, shape, or form.\n\nChannel 1: Yeah.\n\nChannel 0: We do.\n\nChannel 1: Yeah.\n\nChannel 0: Shocking.\n\nChannel 1: Yeah. Okay. So do you think it should be increased?\n\nChannel 0: It could be worthwhile definitely doing it.\n\nChannel 1: Yeah.\n\nChannel 0: If you like, what I'll do, I'll find out whether I can get the quote pre done, but I'll put that information into an email for you so you can mow it over, Aaron, and sort of have a look at what you would like to do.\n\nChannel 1: Yep.\n\nChannel 0: And you can come back and let me know as to whether you would like me to update the advice to reflect, because I do wanna provide some new advice and make some changes to your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So as part of that, I could always increase the income protection in line with your income and show you that as part of the advice document.\n\nChannel 1: Yep.\n\nChannel 0: There's you don't have to take it if you don't want to. You advice that we provide is essentially just advice, but it's showing you what what we can do, how this looks, the advantages, the disadvantages, and the risks involved. And then you\n\nChannel 1: No.\n\nChannel 0: get to take that advice away, read it over, and decide whether you wanna take that advice or not. So I'll put all of this in an email. And if you like, as part of the advice, I'll look at increasing the income protection benefits, show you what that looks like for you, and then you get to decide with Aaron whether you're happy to take that or whether you don't you know, what you're\n\nChannel 1: Yeah.\n\nChannel 0: happy to do. Does that\n\nChannel 1: Yeah.\n\nChannel 0: sound okay?\n\nChannel 1: Okay. Sounds\n\nChannel 0: Yes. Beautiful. That ninety day waiting period, do you feel like that's appropriate and comfortable? Would\n\nChannel 1: good.\n\nChannel 0: you wanna alter, reduce that, or do you think ninety days before claiming would be okay?\n\nChannel 1: I thought that that's what it was. It couldn't reduce it.\n\nChannel 0: To my understanding, they definitely do do less.\n\nChannel 1: Oh,\n\nChannel 0: Generally,\n\nChannel 1: okay.\n\nChannel 0: we can have a thirty day, six day, or a ninety day waiting period.\n\nChannel 1: Oh, okay then. Yeah.\n\nChannel 0: Yeah. They can even go longer, make the policy cheaper. Having a thirty or sixty day waiting period does\n\nChannel 1: Oh, that's\n\nChannel 0: make\n\nChannel 1: Vera.\n\nChannel 0: the policy a bit more expensive, but\n\nChannel 1: Okay.\n\nChannel 0: it also\n\nChannel 1: Maybe\n\nChannel 0: means\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: leave\n\nChannel 0: can\n\nChannel 1: it\n\nChannel 0: claim\n\nChannel 1: then.\n\nChannel 0: you're happy with that? Yep.\n\nChannel 1: Yeah. Just leave it.\n\nChannel 0: Yep. That's okay. I can add all that\n\nChannel 1: Yeah.\n\nChannel 0: information into the email for you as well, break down, you know, what it is so you can kind of look at it after the call. Because I know it is a lot to take in while I'm talking to you, so\n\nChannel 1: Yeah.\n\nChannel 0: I understand that.\n\nChannel 1: That's alright.\n\nChannel 0: You've got a five year benefit period. That is not a bad benefit period because it means you can be on a claim for up to five years. Most\n\nChannel 1: Yeah.\n\nChannel 0: claims are dealt with within the first two years, so it does mean you can be on a claim longer, and it's also keeping the policy fairly cost effective for you. So five years\n\nChannel 1: Yeah.\n\nChannel 0: isn't a bad benefit period. Do you feel pretty comfortable keeping it that way?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep. Beautiful. Excellent. The other types of insurances\n\nChannel 1: fine.\n\nChannel 0: that you can technically hold that you don't have are trauma. Trauma pays out like a lump sum benefit. Tax free if you're diagnosed with cancer, Parkinson's, you have a heart attack or a stroke. And you can only get, like, trial trauma policies where you can put insurance in place to cover to cover your child if they are diagnosed with major traumatic conditions like cancer or if they pass away, it pays out a lump sum benefit to cover their funerals and things like that.\n\nChannel 1: Mhmm.\n\nChannel 0: Those other sorts of trauma and child trauma policies, they have to be paid personally. So out of your back pocket, they cannot be held inside so far. Is there any kind of thought on whether you wanted to look at anything additional or you're happy with with what you've got and just kind of wanting to see everything in broken down to make it easier?\n\nChannel 1: Yeah. You don't think about stuff like that, do you?\n\nChannel 0: No. I promise you, I ask all the questions you've never thought of answering.\n\nChannel 1: No. Yeah. I have to talk to Aaron about that one, about\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: trauma\n\nChannel 0: okay.\n\nChannel 1: stuff. Yeah.\n\nChannel 0: Yep. That's alright.\n\nChannel 1: Yeah.\n\nChannel 0: I'll break it all down into\n\nChannel 1: Yeah.\n\nChannel 0: an email. It's not a problem at all. We can always come back and revisit that at any time that you're comfortable\n\nChannel 1: Yeah. Because\n\nChannel 0: with,\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: can,\n\nChannel 0: if you\n\nChannel 1: like,\n\nChannel 0: just\n\nChannel 1: ring\n\nChannel 0: find\n\nChannel 1: you guys at any time\n\nChannel 0: yeah.\n\nChannel 1: and then get things\n\nChannel 0: Absolutely.\n\nChannel 1: adjusted. Is that right? Yeah.\n\nChannel 0: Yeah. Absolutely. Yeah. Definitely.\n\nChannel 1: Okay. Cool.\n\nChannel 0: And we can also do things via email. So, you know, if\n\nChannel 1: Yeah.\n\nChannel 0: you have a bit time, Paul, you can always email me back, and I\n\nChannel 1: I'm\n\nChannel 0: can\n\nChannel 1: so\n\nChannel 0: communicate\n\nChannel 1: time\n\nChannel 0: email\n\nChannel 1: poor.\n\nChannel 0: with you and kinda do it.\n\nChannel 1: I am.\n\nChannel 0: It's understandable with kids.\n\nChannel 1: Yeah. I don't know. I just I can't I don't wanna add up anymore.\n\nChannel 0: No. No. I've got\n\nChannel 1: I\n\nChannel 0: three\n\nChannel 1: know.\n\nChannel 0: kids myself. I\n\nChannel 1: Oh\n\nChannel 0: completely\n\nChannel 1: my goodness.\n\nChannel 0: understand.\n\nChannel 1: Yeah. Like, I forgot about a couple weeks ago. It was superhero week or whatever, book week. And I'm like, oh my god. My child's not dressed for book week.\n\nAll these kids are dressed. I'm like\n\nChannel 0: Yeah. Oh, no.\n\nChannel 1: yeah. I know. So I raced down there with a costume, and I didn't wanna wear it\n\nChannel 0: Yeah.\n\nChannel 1: anyway. Oh my goodness.\n\nChannel 0: Oh, I've I've been\n\nChannel 1: Yeah.\n\nChannel 0: that parent. I've done that before, set my kids to school and just gone, oh, no. We forgot to dress up today. Oh, no. We forgot to go to Christmas.\n\nChannel 1: Yeah. Yeah. I thought so often, I'm just like, I'm such a shit mom. Yeah.\n\nChannel 0: No.\n\nChannel 1: So I'm just\n\nChannel 0: You're\n\nChannel 1: so\n\nChannel 0: not.\n\nChannel 1: busy\n\nChannel 0: You're busy.\n\nChannel 1: with,\n\nChannel 0: Yeah.\n\nChannel 1: like, a 100 things like, a 100 things to\n\nChannel 0: Yeah.\n\nChannel 1: do. Yeah.\n\nChannel 0: Yeah. No. Completely understandable.\n\nChannel 1: Yeah.\n\nChannel 0: Mom life never ends.\n\nChannel 1: Nope. Yeah. Anyway\n\nChannel 0: All good. If you want that document, you can move to the next one for me. This is showing your\n\nChannel 1: Okay.\n\nChannel 0: performance report on how your investors\n\nChannel 1: Yep.\n\nChannel 0: have returned.\n\nChannel 1: So we're going to page two.\n\nChannel 0: Yep. This is the\n\nChannel 1: Okay.\n\nChannel 0: performance of internal rate of return, and it should have a whole list of different investment options there for you to see.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So with this one here, you'll see it has all the different investment options. It can be a lot to go through. But if you\n\nChannel 1: Yeah.\n\nChannel 0: look at the second last column, the heading there is the internal rate of return, and you've got a bunch of percentages below that. Can you see that, Wayne?\n\nChannel 1: The second one from the bottom.\n\nChannel 0: Yes. It's the second last line across the top. It should say internal rate if we can.\n\nChannel 1: Internet\n\nChannel 0: Note two.\n\nChannel 1: right over there. Am I blind? I'm\n\nChannel 0: No. No.\n\nChannel 1: just\n\nChannel 0: That's okay.\n\nChannel 1: am I on the\n\nChannel 0: What\n\nChannel 1: same\n\nChannel 0: are\n\nChannel 1: page?\n\nChannel 0: you look not sure. What are you looking at? What's the top of the page say? That's okay.\n\nChannel 1: Performance with IRR. Is that the\n\nChannel 0: Yep.\n\nChannel 1: page?\n\nChannel 0: Perfect. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So then under that, you've got the date, and then\n\nChannel 1: Yep.\n\nChannel 0: under that is your name,\n\nChannel 1: Yep.\n\nChannel 0: and then you've got our our\n\nChannel 1: Yep.\n\nChannel 0: financial there, and then you've got a table.\n\nChannel 1: Managed. Yeah.\n\nChannel 0: On the\n\nChannel 1: Managed\n\nChannel 0: table?\n\nChannel 1: funds. Yep.\n\nChannel 0: Yep. Yep. So then if you look at the table in the blue\n\nChannel 1: Yep.\n\nChannel 0: box, you've got asset type,\n\nChannel 1: Am\n\nChannel 0: then\n\nChannel 1: I looking\n\nChannel 0: market value.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay. I'm looking at the blue. I'm looking at these, like,\n\nChannel 0: That's okay. You're\n\nChannel 1: you\n\nChannel 0: fine.\n\nChannel 1: know, down the\n\nChannel 0: It's\n\nChannel 1: asset type, looking at those things. And I'm looking at\n\nChannel 0: yep.\n\nChannel 1: the last\n\nChannel 0: That's\n\nChannel 1: one.\n\nChannel 0: okay.\n\nChannel 1: It says shares. Okay. Okay.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: all\n\nChannel 1: The blue\n\nChannel 0: good.\n\nChannel 1: column. Yep.\n\nChannel 0: Yep. So the second last\n\nChannel 1: Gotcha.\n\nChannel 0: column\n\nChannel 1: Yep.\n\nChannel 0: says internal\n\nChannel 1: Gotcha.\n\nChannel 0: rate of return.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Gotcha. Yep.\n\nChannel 0: Perfect. Now this is sort of showing how all those individual investments have performed. Majority of them have performed very well. So you've\n\nChannel 1: Yep.\n\nChannel 0: got your infrastructure is up 18%, your Australian shares up 14%, If I don't lithium taxes, 36%. If you're just going down that line, you can see those different numbers there. So everything\n\nChannel 1: Yep.\n\nChannel 0: is performing really nicely. But\n\nChannel 1: Yep.\n\nChannel 0: this top one here, the Ben along Australian Equities, that one's not. That one's not doing its job. It's underperforming. And even though we've had lots of ups and downs in the market this year, that one should still be performing well because the rest of the Australian market is performing well.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I essentially looked at doing and and even though you've had a really good return, your portfolio has increased. You've seen a 6% return. It's great. I do wanna go back and make some adjustments, remove some of the underperforming investments. I can maybe look at the cost factor and try to reduce the investment fees within the funds and try to find some investments that have been performing a little bit better to keep your super working harder.\n\nAre you open for me doing that for you?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: I definitely wanna remove the underperforming investment. Definitely needs to be going out of there now, so we'll do\n\nChannel 1: Okay.\n\nChannel 0: that, and\n\nChannel 1: Yep.\n\nChannel 0: then we can have a bit of a look at it. One of the things I do sort of try to talk about, and it's okay if you're not sure,\n\nChannel 1: Mhmm.\n\nChannel 0: but that's been a long Australian equity fund. That's an actively managed fund. So the investment manager within that fund is supposed to be trying to outperform against the market. They don't always do so. I've\n\nChannel 1: Mhmm.\n\nChannel 0: got a couple of options that I can, you know, focus on with regard to replacement of that. Are you wanting me to maybe look at keeping keeping more of an actively amended fund in your portfolio, or do you want me to focus on the cost side of it reducing risk and maybe reducing the investment cost within the super for you? What would you like?\n\nChannel 1: I don't know.\n\nChannel 0: That's okay.\n\nChannel 1: I just want you guys to, you know obviously, you guys are the professionals, so I have no idea about risk and whatever and percentages and all that. So I'll just leave that up to you.\n\nChannel 0: Yep. Yeah. That's okay. Well, I can have a look at all the options.\n\nChannel 1: Yep.\n\nChannel 0: I'll look at all the different investment I have out there. I can make a recommendation, show you what that looks like, show you the difference to the outcome as part of the advice,\n\nChannel 1: Yep.\n\nChannel 0: and then you can decide what you're comfortable with. I can focus on lowering the overall risk, try to reduce fees where I can as well, and just provide, you know, look at better performing investments as well. How does that sound?\n\nChannel 1: That sounds good.\n\nChannel 0: Yep. Perfect. Focused on that. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: The next page, if you I think you can scroll down on this document, but it takes you to a second page of that\n\nChannel 1: Yeah.\n\nChannel 0: same report.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And that same column shows your return as a percentage for the last twelve months. So it shows you've made six point\n\nChannel 1: Yep.\n\nChannel 0: eight\n\nChannel 1: I\n\nChannel 0: 0%. So,\n\nChannel 1: yeah.\n\nChannel 0: realistically, when I sort of look at that return, I look at what the average return is for your risk profile. So you're in a balanced growth environment at the moment, which means that 70% of your super is invested in higher risk investments like Australian and international equities and market property, and then also having some gold and silver and metals in there as well. And\n\nChannel 1: Mhmm.\n\nChannel 0: then the other 30% in lower risk defensive investments are cash, bonds, and fixed interest. Given your age and state, this is a a good place for you to be in, but\n\nChannel 1: Okay.\n\nChannel 0: the expected average return of this kind of environment is around about six to 8%. So the fact that you've made 6.80% after fees, net of fees, is a good return. It's well within where the expectation is of that portfolio, and we\n\nChannel 1: Yeah.\n\nChannel 0: just wanna keep building on that for you and try to, you know, make sure those returns keep up and\n\nChannel 1: Yeah.\n\nChannel 0: work harder as hard as they possibly can. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Do you have any questions?\n\nChannel 1: Not really.\n\nChannel 0: No. That's okay. You're fine. The next document,\n\nChannel 1: High\n\nChannel 0: if you\n\nChannel 1: five.\n\nChannel 0: keep going for it no. You're fine. Please don't ever say that. It's honestly fine.\n\nChannel 1: Okay.\n\nChannel 0: If you go to the\n\nChannel 1: High\n\nChannel 0: next\n\nChannel 1: three.\n\nChannel 0: document, you yeah. This\n\nChannel 1: Yeah.\n\nChannel 0: is the Vanguard chart. This is just a guide. It just shows you how markets react and why we invest the way we do. So I kind of like this as more of an educational tool. And this is I mean, this is why I sort of say don't say that you're hopeless because you're not.\n\nThis is that\n\nChannel 1: Yeah.\n\nChannel 0: no one is taught any of this.\n\nChannel 1: Yeah. And\n\nChannel 0: You\n\nChannel 1: how\n\nChannel 0: know,\n\nChannel 1: did\n\nChannel 0: I\n\nChannel 1: you\n\nChannel 0: had\n\nChannel 1: learn\n\nChannel 0: to go\n\nChannel 1: all\n\nChannel 0: to\n\nChannel 1: this\n\nChannel 0: uni.\n\nChannel 1: stuff?\n\nChannel 0: I had to go to university to become an adviser to learn all of this stuff.\n\nChannel 1: Oh\n\nChannel 0: So,\n\nChannel 1: my goodness.\n\nChannel 0: you know,\n\nChannel 1: You\n\nChannel 0: so\n\nChannel 1: must\n\nChannel 0: it's\n\nChannel 1: like\n\nChannel 0: not\n\nChannel 1: numbers.\n\nChannel 0: something that is taught. I actually really do. I really love this sort of thing. And like I said, I've got three kids. I've got my eldest who are 19 and 20.\n\nThey're getting their first jobs and opening\n\nChannel 1: Oh,\n\nChannel 0: food\n\nChannel 1: wow.\n\nChannel 0: for an investing and and building for their future. And then\n\nChannel 1: Yeah.\n\nChannel 0: my youngest is 10, so he's still at school. But,\n\nChannel 1: Yeah.\n\nChannel 0: I mean, these are sort of things that they don't learn in the school system, so it's the sort of things we don't learn until we later in life.\n\nChannel 1: Yeah.\n\nChannel 0: And a lot of people never learn any of this information. So part of what I love about my job is that I get to educate people. So you don't have to go to uni and have a $40,000 hack debt to be able to understand how these things work.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: You know,\n\nChannel 1: Exactly.\n\nChannel 0: it's about making sure\n\nChannel 1: Yeah.\n\nChannel 0: that we can pass on that knowledge and help you essentially understand how things are working and how markets grow and how\n\nChannel 1: Yeah.\n\nChannel 0: risk is not always a bad thing as long\n\nChannel 1: Yeah.\n\nChannel 0: as you're at an age where you can withstand certain types of risk, essentially. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: this is just a lot. This document, I\n\nChannel 1: Yep.\n\nChannel 0: get that.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, it is just showing you the different investments. So remember before when I talked about being 70% in those growth, higher risk investments within your sort of portfolio or your environment? Yep. So those essentially are on the side here. You've got US shares, Australian\n\nChannel 1: Yep.\n\nChannel 0: shares, international\n\nChannel 1: Yep.\n\nChannel 0: shares, and listed property. Those are growth investments, and you can see why they're considered growth investments. They get a really good rate of return. The US shares, as an example, over the last thirty years, has averaged a 10.80% return compounded, which is great. But you can also see that it had some very ups and downs, and that's where markets make a lot of people very nervous.\n\nWe\n\nChannel 1: No.\n\nChannel 0: sort of see when the market is going down, that is definitely illuminated in the world. It's on every TV news page, and on the podcast. Everyone talks about it. And\n\nChannel 1: Mhmm.\n\nChannel 0: then when the markets are doing well, we don't hear as much. So it's very much a fear mongering world that we're in.\n\nChannel 1: Yes.\n\nChannel 0: But what we sort of wanna make sure is that you're in a risk profile and you're invested in your super in a way that you're getting growth and compounding that and working that forward, but that you're also in a level of risk that you're comfortable with because there is always a downside. And we just wanna make sure when the portfolio is down, when the markets are down, that you're able to stay in that portfolio, wade through that downtime, and then come out the other side before you're gonna access your super. That's\n\nChannel 1: Yes.\n\nChannel 0: essentially what we wanna see and how we see risk and why we kind of do things the way we do, essentially. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. The next document along is your certificate of currency, which outlines more about your insurance policy. So I'll add\n\nChannel 1: Mhmm.\n\nChannel 0: this into the email afterwards for you just so you can kind of see everything, and then you're able to talk to Aaron and kind of break it all down and make it easier.\n\nChannel 1: Yes.\n\nChannel 0: Okay.\n\nChannel 1: Yes.\n\nChannel 0: Excellent. The next one along from that is the OP Financial Services guide. It lines everything about who we are, what we do, and how we do it. It essentially just runs you through everything about us. It's got all my licensing information there because I'm a licensed adviser and registered with there as well for you.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: And then we've also got the ongoing service agreement, which is the document attached there. That's essentially outlining the fee structure for being an ongoing client with us. As you said, and our and our clients, we do charge an ongoing service fee. You're both on 1.10% currently, and that's the coupling fee. So our ongoing service fee is only at 1.65%.\n\nWe've reduced it as your clients, making sure that we're looking after both of you. That fee structure could change down the track, but for now, that's essentially what we're charging for our services. That 1.10% is that's a year, and it's deducted in smaller monthly increments out of your super, and that's essentially allowing us to provide our services, keep looking after your super. And it also includes advice. So that implementation fee that you paid initially to come on board, we will never charge that again for advice around super insurances.\n\nThat's all included in the ongoing services phase with yeah. And we'll provide advice as often as we have to to help you along, and there's no additional fees for that advice, essentially. Does that make sense? Yes. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions about any of those documents, the ongoing service agreement, or anything around that?\n\nChannel 1: No. I don't really. No.\n\nChannel 0: No. That's\n\nChannel 1: I don't\n\nChannel 0: okay.\n\nChannel 1: think so.\n\nChannel 0: That's alright. Look, you\n\nChannel 1: Yeah.\n\nChannel 0: are welcome to go back and have a read of those documents there. I do ask that we do get you to sign and return that back to remain as a client, so we can look after things and do the research and provide\n\nChannel 1: Yeah.\n\nChannel 0: the updated adviser for you.\n\nChannel 1: Okay. Can\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: if\n\nChannel 1: find\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: decide to\n\nChannel 1: yeah? I'm just can I find it\n\nChannel 0: that's\n\nChannel 1: on\n\nChannel 0: okay. You're fine.\n\nChannel 1: net? Like, I'm just trying to work out if I can find it. Not\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay.\n\nChannel 1: Yeah. It's alright. So yeah. It's okay. So I have to get it do you guys send this out to me in the post and I can return it to you guys?\n\nChannel 0: Did you wanna do a website? Did you is it because we normally just as part of this, you just sign it electronically and it comes back to us.\n\nChannel 1: Yeah. Okay. I don't know how to do that.\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: not that kind of section,\n\nChannel 0: No. That's that's alright. If you go to the bottom of the document there, is it giving you an option to sign or does\n\nChannel 1: but\n\nChannel 0: it say click to sign? Or if you go to the bottom page of that document, it should have a signature section. Can you see that at all?\n\nChannel 1: I wouldn't know. Section, but\n\nChannel 0: Yep. Generally,\n\nChannel 1: I wouldn't\n\nChannel 0: if you just\n\nChannel 1: know.\n\nChannel 0: click on that button, it'll pre populate a signature.\n\nChannel 1: Yeah. That's why I was clicking on it to see if it would do anything, and it doesn't do anything.\n\nChannel 0: Oh, that's\n\nChannel 1: And\n\nChannel 0: very\n\nChannel 1: let me\n\nChannel 0: weird.\n\nChannel 1: see.\n\nChannel 0: Very weird.\n\nChannel 1: Yeah. I don't know. Maybe\n\nChannel 0: If\n\nChannel 1: the\n\nChannel 0: my team\n\nChannel 1: the laptop's old. I don't know.\n\nChannel 0: that's okay. Did you prefer if we emailed it out to you for you to maybe print, sign, and then scan back to us\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: can\n\nChannel 0: post it out? How would\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: can\n\nChannel 0: easier?\n\nChannel 1: print it I can print it out at work, I suppose? And then I think because Aaron I think you guys sent something to Aaron, and he just returned it.\n\nChannel 0: Yeah. We normally send everything kind of electronically signed.\n\nChannel 1: Oh, okay.\n\nChannel 0: And yeah. Because Ode is the the normal way that we have everything sort of electronically signed. But normally,\n\nChannel 1: Yeah.\n\nChannel 0: when you press that button, click the satellite, it goes through all the documents. And then when you get to the bottom, there's sign here button, or you can click on the signature button and automatically sign it. Worst\n\nChannel 1: Yeah.\n\nChannel 0: case, you'd\n\nChannel 1: But\n\nChannel 0: always\n\nChannel 1: when I click\n\nChannel 0: just\n\nChannel 1: on\n\nChannel 0: yeah.\n\nChannel 1: it, it doesn't do anything. Yeah.\n\nChannel 0: Interesting. You could always just\n\nChannel 1: Does\n\nChannel 0: when\n\nChannel 1: it\n\nChannel 0: Aaron\n\nChannel 1: have to\n\nChannel 0: gets\n\nChannel 1: go\n\nChannel 0: home,\n\nChannel 1: in?\n\nChannel 0: ask him to give you a hand.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Maybe.\n\nChannel 0: Right.\n\nChannel 1: Yeah. I'll ask him. Yeah.\n\nChannel 0: Yeah. You're\n\nChannel 1: I'm\n\nChannel 0: right.\n\nChannel 1: hopeless with computers.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: honestly\n\nChannel 1: just know how\n\nChannel 0: fine.\n\nChannel 1: to, like, use\n\nChannel 0: If\n\nChannel 1: my\n\nChannel 0: not\n\nChannel 1: system at work. I see it, like,\n\nChannel 0: yeah.\n\nChannel 1: ask me to write, like, do something on Word and all this. I'm like, oh my god. I haven't done that\n\nChannel 0: Not\n\nChannel 1: since\n\nChannel 0: happening.\n\nChannel 1: school. So yeah.\n\nChannel 0: That's okay. I can also get one of my team to give you a buzz later if you like to kinda give you a little bit of help with the signing process. It's not a problem at all.\n\nChannel 1: Okay. No\n\nChannel 0: Or\n\nChannel 1: worries.\n\nChannel 0: we can email that for you to put in sign and return. More than happy to work in with your comfort level. That's absolutely fine.\n\nChannel 1: Yeah. I'll ask\n\nChannel 0: Okay.\n\nChannel 1: her and see how\n\nChannel 0: Yep.\n\nChannel 1: to do it, like, how he did his. Because I know he's I know he's done his, like, months\n\nChannel 0: Yep.\n\nChannel 1: ago. Yeah. So I'll\n\nChannel 0: All good.\n\nChannel 1: ask him. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright\n\nChannel 0: Perfect.\n\nChannel 1: then.\n\nChannel 0: If you get stuck, let us know. That's not a problem at\n\nChannel 1: Yeah.\n\nChannel 0: all. The last thing I just wanted to sort of touch on is just reevaluating a couple of small things. With your goal of accessing super at, hopefully, the age of 60, how is expenditure within the household at the moment? Do you feel that you would be willing or okay to make additional contributions to suit that it helps your balance grow a little bit faster, or is that not something you guys have the the money for at the moment? Expenses are a bit tight.\n\nHow do you feel about that?\n\nChannel 1: Yeah. I don't know. Just like I don't know. Just feels like every week a lot comes out of their account, like, bills and like, we've just been paying bills this morning. So\n\nChannel 0: Yes.\n\nChannel 1: and, like, yeah. And I'm like, oh, they're bigger than last time. And I'm like, you know, everything is just going up. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: I don't know.\n\nChannel 0: So that\n\nChannel 1: But\n\nChannel 0: that's okay. We can always hold off and do that down the track. That's not a problem.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. Beautiful. Excellent. And just with the beneficiary side of things, just confirming that you wanted your beneficiary set up so everything is paid to Aaron in the event that something happens. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Beautiful. And have you guys ever done up a will or power of attorney or a state planning\n\nChannel 1: Alright.\n\nChannel 0: documents\n\nChannel 1: We need\n\nChannel 0: or seen\n\nChannel 1: to.\n\nChannel 0: a solicitor?\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: We need to\n\nChannel 0: That's\n\nChannel 1: there's\n\nChannel 0: okay.\n\nChannel 1: a lot of things we need to do, and we don't we just don't\n\nChannel 0: Yeah.\n\nChannel 1: we have to make obviously, you have to make the time to do it. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, life just gets\n\nChannel 0: That's\n\nChannel 1: busy,\n\nChannel 0: okay.\n\nChannel 1: and then you just that's the last thing you wanna do is, like, sort out stuff. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I\n\nChannel 0: No.\n\nChannel 1: know I need\n\nChannel 0: Completely\n\nChannel 1: to do a will.\n\nChannel 0: understandable.\n\nChannel 1: Yeah.\n\nChannel 0: That's right. Inside\n\nChannel 1: Because\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: have\n\nChannel 0: email,\n\nChannel 1: children.\n\nChannel 0: if you like\n\nChannel 1: Yeah.\n\nChannel 0: yes. Absolutely. And and guardian, if you're also part of that, just making sure if something happened to the two of you, what happens to the children, how they're looked after, you know, who they go to. All those things are very important to think about as well.\n\nChannel 1: Yeah.\n\nChannel 0: But to kinda make it a bit easier on you, as part of that email, I can draft up a bit of an estate planning email as well with a couple of different options on how you can do a will kit as easily as possible for you guys. So you can kind of talk it through and maybe start that conversation. How does that\n\nChannel 1: Yeah.\n\nChannel 0: sound?\n\nChannel 1: Yeah. That sounds really good.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. I'll pop\n\nChannel 1: Yeah.\n\nChannel 0: all that in a bit of an email, try to break it down\n\nChannel 1: Okay.\n\nChannel 0: for you, and that\n\nChannel 1: I\n\nChannel 0: way\n\nChannel 1: didn't\n\nChannel 0: you've\n\nChannel 1: know\n\nChannel 0: got\n\nChannel 1: you\n\nChannel 0: something\n\nChannel 1: guys did\n\nChannel 0: just a\n\nChannel 1: stuff like\n\nChannel 0: bit of\n\nChannel 1: that.\n\nChannel 0: a starting point to make it\n\nChannel 1: Yeah.\n\nChannel 0: easier. Excellent.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: The last the last okay. It's what I'm here for if you ever have questions, you're unsure about anything, you need clarification, you let me know. I will always make time to call, or you can ask me by email, and I'll follow-up. Not a problem at all. So I'm here for\n\nChannel 1: Okay.\n\nChannel 0: you. Now for you to use it to your extent.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: That's alright.\n\nChannel 1: Yeah. I\n\nChannel 0: The\n\nChannel 1: was\n\nChannel 0: last\n\nChannel 1: talking\n\nChannel 0: thing is not attached.\n\nChannel 1: to\n\nChannel 0: Sorry.\n\nChannel 1: one of my friends about you guys, and she's\n\nChannel 0: Yes.\n\nChannel 1: like, oh, yeah. I'm interested. So I was like, oh, okay. Yeah. So I'm just like, can\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: Well,\n\nChannel 1: let them\n\nChannel 0: if\n\nChannel 1: know to call me? And I'm like, yeah. I guess so.\n\nChannel 0: did you want us to organize an introduction? Or is she happy is, like, did you wanna sort of give us the information? I can organize someone to call and sort of give them an idea of what financial advice is and how it works.\n\nChannel 1: Yeah. So I should just send you guys an email with her, like, details and stuff?\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Perfect.\n\nChannel 1: No worries.\n\nChannel 0: It\n\nChannel 1: Yeah.\n\nChannel 0: can be with any one of the advisers. If you prefer it with me, that's absolutely fine. It's more just the referral side of things, and we do have a referral program. So if your friend decides to take on the advice to come on board as a client, we do send you a $100 gift card as a bit of a thank you. So there's\n\nChannel 1: Okay.\n\nChannel 0: always that option, but I'll put\n\nChannel 1: Yeah.\n\nChannel 0: the in that\n\nChannel 1: And I\n\nChannel 0: information\n\nChannel 1: was just talking\n\nChannel 0: in the\n\nChannel 1: to\n\nChannel 0: email\n\nChannel 1: her about\n\nChannel 0: for\n\nChannel 1: it,\n\nChannel 0: you.\n\nChannel 1: and she's just like, oh, please please. I I need the number, and I'm like, oh, okay. Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. That's not a problem. I'll absolutely put that in the email for you as well, and you can\n\nChannel 1: Mhmm.\n\nChannel 0: just reply back with the details, and\n\nChannel 1: Yep.\n\nChannel 0: then I can organize the instruction call. If you just find out from them when's more comfortable for us to give them a call, that way we can make it at a more appropriate time for them,\n\nChannel 1: Yes.\n\nChannel 0: and then we can touch base if you prefer to maybe kinda bring them on board if you're comfortable with me being the adviser. It's fine if you just don't mind if any adviser in the firm. Our\n\nChannel 1: Any\n\nChannel 0: admin\n\nChannel 1: anyone's\n\nChannel 0: team will\n\nChannel 1: fine.\n\nChannel 0: touch base\n\nChannel 1: Yeah.\n\nChannel 0: and and you\n\nChannel 1: Yeah.\n\nChannel 0: want to find beautiful.\n\nChannel 1: Yeah. Well,\n\nChannel 0: Our admin team will touch base and\n\nChannel 1: it\n\nChannel 0: organize\n\nChannel 1: doesn't bother\n\nChannel 0: it.\n\nChannel 1: me, like, what she does. Do you know what I mean? But she just well, I was just talking about having this review and blah blah blah, and I had to reschedule it. And then because this happened and that happened. That's how we started to talk about super.\n\nYeah.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. And then she was like, oh, that sounds good. Uh-huh. And then yeah. Yeah.\n\nAnyway\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: yeah.\n\nChannel 0: Well, thank you for that conversation. I really appreciate it. We wanna help as many people as possible, obviously. You know, we all work very, very hard, and retirement isn't something that everyone's prepared for. And it's important that\n\nChannel 1: Yeah.\n\nChannel 0: everyone has as much guidance as possible, and that's what we're here for. That's what we wanna do. And one of the things I love about this, a, is the educational value, but the other side of it is we are working in the best interest. So we'll always put your needs above that of our own of our company. So we always\n\nChannel 1: Yep.\n\nChannel 0: put yeah. We work under your best interest in making sure that we put your goals and your needs above that of everything else. That's really important to us here\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Okay. Thank you so much.\n\nChannel 0: Okay. That's okay. The last thing I just wanted to sort of go through was a quick response just to sort of gauge whether the action change your portfolio or your risk tolerance, essentially. I only have two questions, and it's essentially okay if you're not really sure on how you might react. But if you saw, say, the market took a big dip and we saw your super fall by 20% in the next, say, six to twelve months, How do you think you might feel?\n\nAre you probably excited it's a buying opportunity? Wanna put some more money into the market? Are you a bit concerned? You might call us and see what we suggest you do, or are you very nervous and wanting to sell your investment to cash? How do you where do you think you might fit?\n\nChannel 1: I'll probably call you guys.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Good\n\nChannel 1: And\n\nChannel 0: answer.\n\nChannel 1: get advice. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get greater potential returns knowing there's also a downside? Are you comfortable\n\nChannel 1: Yeah.\n\nChannel 0: with a moderate or medium amount of risk to get the best returns you possibly can, or are you happy or comfortable with a lower level of risk?\n\nChannel 1: I know Aaron's answer was high risk,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Yours can be very different.\n\nChannel 1: yeah. And I think I went with more of a moderate risk.\n\nChannel 0: Moderate risk?\n\nChannel 1: Well\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Let's pop you in there. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Now you have kinda scored in that sort of growth area side of things. The balanced growth portfolio that you're in is realistically one level down from the growth environment. As I kinda mentioned, that seventy thirty kind of split with investments expected. Our return is about six to 8%, and the likelihood of a negative return is expected one in every six years. So it is relatively low risk.\n\nIf we kinda think about risk as out of a number between one and five, so one being all sitting in cash, five being all your money in equity, and you're taking the highest level of risk, you're sitting at around about a three to four. So you're very much that middle to low kind of area. Do you feel like you're comfortable staying in that environment? Did you wanna try and take a little bit more risk, or you'd rather stay where you are?\n\nChannel 1: Yeah. Probably just stay where I am, but\n\nChannel 0: That's fine.\n\nChannel 1: what\n\nChannel 0: Yep.\n\nChannel 1: would you do?\n\nChannel 0: Honestly, we could we could be in that growth environment and step it up a little bit and have, like, an\n\nChannel 1: Yep.\n\nChannel 0: eighty twenty split. Realistically, the eighty twenty split is 80% in those growth assets. So the Australian shares, US shares, property, and then some gold and silver, and 20% in those lower risk investments. The average expected return is between seven to 9%, and the likelihood of a negative year is one every five. So, realistically, you could step it up a little bit more.\n\nYou have that\n\nChannel 1: Yeah.\n\nChannel 0: time horizon ahead of you.\n\nChannel 1: Yeah.\n\nChannel 0: If you were about six years away from accessing super, I would be telling you to pull your risk down and, you know, I would guide you back. I would never leave you there right\n\nChannel 1: Okay.\n\nChannel 0: till retirement.\n\nChannel 1: That's all.\n\nChannel 0: But it's\n\nChannel 1: Yeah.\n\nChannel 0: also gotta be your comfort level. If you're a bit nervous about increasing that risk level a little bit, then you're fine to stay where you are. It's gotta be within your comfort level as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: What do most people do, though? Do they just\n\nChannel 0: Most people in our age group are kind of in that growth environment sitting between that 80 to 20 split, but I do have some clients that are in that balanced growth environment or taking less risk in their forties as well, and there's nothing wrong with that. It's more about your comfort level as well as your time horizon. But\n\nChannel 1: Yeah.\n\nChannel 0: you do have the time horizon and the risk capacity to go through those ups and downs and be in that growth environment and just take on a little bit more risk trying to get greater potential returns. If you're ever not comfortable, you can pull it back, or you\n\nChannel 1: Yeah.\n\nChannel 0: can stay where you are for a bit longer, and we can always decrease that down the track depending on your comfort level.\n\nChannel 1: Yeah. Well, should we increase it to the eighty twenty now and then see\n\nChannel 0: Yes.\n\nChannel 1: how I go and then\n\nChannel 0: Yes.\n\nChannel 1: do a then, like, you I don't know. Let me know how I'm going or\n\nChannel 0: Absolutely.\n\nChannel 1: and then if you think\n\nChannel 0: Yep.\n\nChannel 1: I need to pull back, let me know. Something like\n\nChannel 0: Yeah.\n\nChannel 1: that.\n\nChannel 0: Definitely. Let's\n\nChannel 1: Yeah.\n\nChannel 0: with the advice, I'll do that as an eighty twenty split for you. We'll go more growth for you, and then I'll make sure we touch base six months after the advice has gone through. That\n\nChannel 1: Yeah.\n\nChannel 0: way, we can reassess how the portfolio is working, how it's\n\nChannel 1: Yep.\n\nChannel 0: all working for you, and your\n\nChannel 1: Yeah.\n\nChannel 0: comfort level. If you were ever\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: not comfortable, you can tell me. We can call back. And if not, we'll just, every six months, touch base, talk about what's happening, look at the portfolio, and then we can make changes if we need to. Is that okay?\n\nChannel 1: Yeah.\n\nChannel 0: That way, we're\n\nChannel 1: Yeah.\n\nChannel 0: doing it gradually.\n\nChannel 1: Yeah.\n\nChannel 0: We're not taking on too much risk, and\n\nChannel 1: Yeah.\n\nChannel 0: we're keeping in touch regularly to see how you feel about it and what's happening\n\nChannel 1: Yeah.\n\nChannel 0: with your Uber. Does that sound comfortable?\n\nChannel 1: Yeah. Sounds yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. Excellent. The next slide of it is, after the call, I will just fill up an email. It'll come through sometimes that each of the estate planning and the insurance information there. As part of the advice, I'll reassess the growth portfolio, your super, how it's structured, the investments within, the cost side of things, and I'll also look at this increase in your income protection along with that as well.\n\nI just wanted to double check because I'm looking at insurances just to see if there's any changes to your health\n\nChannel 1: Mhmm.\n\nChannel 0: that I need to maybe take into account.\n\nChannel 1: Yep.\n\nChannel 0: I just got the last free assessment that I have here. No. There's nothing in it. That's okay. We'll go to the insurance application we originally had.\n\nJust checking, you're part time are you full time now? What are your work hours like?\n\nChannel 1: I am I do thirty six hours\n\nChannel 0: Mhmm.\n\nChannel 1: a week\n\nChannel 0: Mhmm.\n\nChannel 1: at one job, but then I do it an eight hour shift at another job. So\n\nChannel 0: Okay.\n\nChannel 1: it's, like,\n\nChannel 0: Perfect.\n\nChannel 1: 40 I got 44, forty\n\nChannel 0: Yeah.\n\nChannel 1: five.\n\nChannel 0: So you have\n\nChannel 1: Yeah.\n\nChannel 0: technically two jobs. Are they very different industries?\n\nChannel 1: So I'm going to, like, the disability sector at the moment, and then\n\nChannel 0: Right.\n\nChannel 1: I've I've put in aged care. So I'm still doing\n\nChannel 0: Yep.\n\nChannel 1: a shift in the in aged care, and then I've\n\nChannel 0: Mhmm.\n\nChannel 1: it's just getting too much, that job. So I'm just like, I\n\nChannel 0: Yes.\n\nChannel 1: need to do something different. And then so I've gone into disability, which is a bit more not a full on. So I still have a lot to do, like, with care plans and stuff like that, but just yeah. I'm just, like, trying to get out of the the busyness of the other place.\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. What I might need to do I'm just sort of having a look at the the last application. There's really nothing that kind of flicks up, but because you do have those two jobs, I just need to kind of understand a bit more about those roles to be able to assess the increase in income protection and what that looks for you and what kind of contracts might be offered so the advice is nice and accurate.\n\nChannel 1: Yeah.\n\nChannel 0: Is it okay if I get one of my admin team just to call and go through a bit of a quick pre assessment with you one day next week just so I can get a full guide on how\n\nChannel 1: Yep.\n\nChannel 0: everything looks for you for the advice?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beautiful. Is there a day that normally fits you best for a time? It should only take about sort of five to ten minutes.\n\nChannel 1: Yeah. Just maybe next Thursday because I'm child\n\nChannel 0: Next\n\nChannel 1: free.\n\nChannel 0: Thursday?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And the same time, does that suit you? Generally,\n\nChannel 1: Yeah.\n\nChannel 0: about 10:30?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect. I've popped that one in there. So my team member, Samantha, will give you a call. She'll run through a bit of a pre assessment with you just to kinda get a gauge on how everything is, any change circumstances on what your work looks like.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: as part of the the details, I can go back and really assess everything in full and update the advice so you get a really good view of what all that looks like, and then we can\n\nChannel 1: Yep.\n\nChannel 0: talk about whether you're comfortable taking it or not. Okay.\n\nChannel 1: Okay. No worries. Thank you.\n\nChannel 0: I'll add a text message reminder there for you, Allison, as well. So\n\nChannel 1: Yes,\n\nChannel 0: it sends\n\nChannel 1: please.\n\nChannel 0: you a message prior. That way, if anything comes up, you're welcome\n\nChannel 1: Yeah.\n\nChannel 0: to let us know. We can reschedule. It's not a problem. Okay?\n\nChannel 1: Yeah. Yeah. Because, like, last time when I had the book week, and I didn't even know it was on oh, no. It was a sports carnival. Sorry.\n\nThe sports carnival.\n\nChannel 0: Yep.\n\nChannel 1: And I'm like, oh, no. I had to ring up to say sorry.\n\nChannel 0: No. It is honestly\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. We things come up, and we fully understand that.\n\nChannel 1: Yeah.\n\nChannel 0: So there is no issues at all. I'll put the text message reminder on this. It'll send you a message\n\nChannel 1: Yeah.\n\nChannel 0: around\n\nChannel 1: Thank\n\nChannel 0: about\n\nChannel 1: you.\n\nChannel 0: sort of 839 to give\n\nChannel 1: Yeah.\n\nChannel 0: you a reminder,\n\nChannel 1: Yeah.\n\nChannel 0: and then you're welcome\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: let us know if something comes up. Okay?\n\nChannel 1: Thank you. Thank you.\n\nChannel 0: That's okay. Thank you so much for your time. If you get stuck trying to sign a document, let me know. If Aaron can help, absolutely great. If you\n\nChannel 1: Yeah.\n\nChannel 0: need it sent another way, please let me know. But thank\n\nChannel 1: Yeah.\n\nChannel 0: you so much\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: will.\n\nChannel 0: your time. I really\n\nChannel 1: Okay.\n\nChannel 0: appreciate it.\n\nChannel 1: Alright. Thank you. Yeah. Thanks\n\nChannel 0: Thanks.\n\nChannel 1: for\n\nChannel 0: I'll\n\nChannel 1: everything.\n\nChannel 0: talk to you.\n\nChannel 1: You\n\nChannel 0: That's\n\nChannel 1: know\n\nChannel 0: okay.\n\nChannel 1: you know your stuff. And,\n\nChannel 0: Thank you.\n\nChannel 1: yeah, I don't know how you learned this. Like, how long did this take at uni?\n\nChannel 0: I did a technically, I did in about four years because I did my undergrad, and then I went to uni to finish my degree. But it's normally\n\nChannel 1: Yeah.\n\nChannel 0: about a six year degree full time.\n\nChannel 1: Wow. Wow.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Crazy.\n\nChannel 0: No. It's all good. I'll make sure\n\nChannel 1: Okay.\n\nChannel 0: I look after you, but thank you so much for your\n\nChannel 1: Yeah.\n\nChannel 0: time. I hope you have a good day.\n\nChannel 1: Yeah. You too. Okay. Thank\n\nChannel 0: Thanks,\n\nChannel 1: you.\n\nChannel 0: Allison.\n\nChannel 1: Bye.\n\nChannel 0: Talk soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.96,"end":3.46,"sentiment":"neutral","sentiment_score":0.02505317330360413}],"sentiment":"neutral","sentiment_score":0.02505317330360413,"channel":1,"num_words":1,"start":2.96,"end":3.46},{"sentences":[{"text":"Hi, Allison.","start":4.16,"end":4.96,"sentiment":"neutral","sentiment_score":0.11937631666660309},{"text":"This is Dana from Oakview Financial.","start":4.96,"end":6.64,"sentiment":"neutral","sentiment_score":0.1432389592130979},{"text":"How are you this this morning?","start":6.64,"end":8.16,"sentiment":"neutral","sentiment_score":0.20803826302289963},{"text":"Sorry.","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.08487312495708466}],"sentiment":"neutral","sentiment_score":0.16208593944708508,"channel":0,"num_words":15,"start":4.16,"end":8.66},{"sentences":[{"text":"Yeah.","start":8.72,"end":9.04,"sentiment":"neutral","sentiment_score":0.232514426112175},{"text":"That's I'm good.","start":9.04,"end":9.92,"sentiment":"positive","sentiment_score":0.486607293287913},{"text":"How are you?","start":9.92,"end":10.74,"sentiment":"positive","sentiment_score":0.4096158544222514}],"sentiment":"positive","sentiment_score":0.41731198132038116,"channel":1,"num_words":7,"start":8.72,"end":10.74},{"sentences":[{"text":"I'm very well.","start":11.04,"end":11.92,"sentiment":"positive","sentiment_score":0.5458656946818033},{"text":"Thank you.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.6699225008487701},{"text":"I had you booked in to go through your annual review today.","start":12.32,"end":14.719999,"sentiment":"neutral","sentiment_score":0.27487238496541977},{"text":"Is now still a good time there for you?","start":14.719999,"end":16.775,"sentiment":"neutral","sentiment_score":0.2294997258318795}],"sentiment":"neutral","sentiment_score":0.32082339376211166,"channel":0,"num_words":26,"start":11.04,"end":16.775},{"sentences":[{"text":"Yes.","start":16.744999,"end":17.145,"sentiment":"neutral","sentiment_score":0.26581913232803345},{"text":"That's that's","start":17.145,"end":18.125,"sentiment":"positive","sentiment_score":0.49139802157878876}],"sentiment":"positive","sentiment_score":0.4162050584952037,"channel":1,"num_words":3,"start":16.744999,"end":18.125},{"sentences":[{"text":"Fantastic.","start":19.154999,"end":19.654999,"sentiment":"positive","sentiment_score":0.6980729103088379}],"sentiment":"positive","sentiment_score":0.6980729103088379,"channel":0,"num_words":1,"start":19.154999,"end":19.654999},{"sentences":[{"text":"fine.","start":19.625,"end":20.125,"sentiment":"positive","sentiment_score":0.3920533061027527}],"sentiment":"positive","sentiment_score":0.3920533061027527,"channel":1,"num_words":1,"start":19.625,"end":20.125},{"sentences":[{"text":"Before we jump into the call, I just need to let you know we do record our calls for quality and training purposes.","start":20.275,"end":24.835,"sentiment":"neutral","sentiment_score":0.1018112301826477},{"text":"Are you happy for me to proceed with that?","start":24.835,"end":27.095,"sentiment":"neutral","sentiment_score":0.13024956319067213}],"sentiment":"neutral","sentiment_score":0.10980951134115458,"channel":0,"num_words":32,"start":20.275,"end":27.095},{"sentences":[{"text":"That's fine.","start":27.305,"end":28.11,"sentiment":"neutral","sentiment_score":0.13614387810230255},{"text":"Yep.","start":28.51,"end":29.01,"sentiment":"neutral","sentiment_score":0.18185728788375857}],"sentiment":"neutral","sentiment_score":0.15138168136278787,"channel":1,"num_words":3,"start":27.305,"end":29.01},{"sentences":[{"text":"Beautiful.","start":28.81,"end":29.210001,"sentiment":"positive","sentiment_score":0.4122653603553772},{"text":"And just to do security there with you, we're supposed to confirm your full name, your date of birth, and address I should have on file there.","start":29.210001,"end":35.15,"sentiment":"neutral","sentiment_score":0.13688003023465475}],"sentiment":"neutral","sentiment_score":0.1467152205961091,"channel":0,"num_words":28,"start":28.81,"end":35.15},{"sentences":[{"text":"Yep.","start":35.23,"end":35.73,"sentiment":"neutral","sentiment_score":0.035427290946245193},{"text":"Allison Audra, 16 Gershwin Crescent, Claremont Meadows, New South Wales 2747, 12/09/1983.","start":36.11,"end":45.455,"sentiment":"neutral","sentiment_score":0.03860797438149651}],"sentiment":"neutral","sentiment_score":0.038363306424938716,"channel":1,"num_words":13,"start":35.23,"end":45.455},{"sentences":[{"text":"Beautiful.","start":45.945,"end":46.425,"sentiment":"positive","sentiment_score":0.3968894481658935},{"text":"Thank you so much for that.","start":46.425,"end":47.545,"sentiment":"positive","sentiment_score":0.5452614525953928},{"text":"How's your morning been so far?","start":47.545,"end":49.245,"sentiment":"neutral","sentiment_score":0.2507558763027191}],"sentiment":"positive","sentiment_score":0.3979225708888127,"channel":0,"num_words":13,"start":45.945,"end":49.245},{"sentences":[{"text":"Yeah.","start":50.075,"end":50.395,"sentiment":"neutral","sentiment_score":0.04423203691840172},{"text":"Okay.","start":50.395,"end":50.895,"sentiment":"neutral","sentiment_score":0.022470949217677116},{"text":"Just the school","start":50.955,"end":51.755,"sentiment":"neutral","sentiment_score":-0.0002518525967995326}],"sentiment":"neutral","sentiment_score":0.013189485669136048,"channel":1,"num_words":5,"start":50.075,"end":51.755},{"sentences":[{"text":"Oh,","start":51.705,"end":52.205,"sentiment":"neutral","sentiment_score":-0.050594985485076904}],"sentiment":"neutral","sentiment_score":-0.050594985485076904,"channel":0,"num_words":1,"start":51.705,"end":52.205},{"sentences":[{"text":"run and all that.","start":51.755,"end":52.895,"sentiment":"neutral","sentiment_score":-0.06692743021994829}],"sentiment":"neutral","sentiment_score":-0.06692743021994829,"channel":1,"num_words":4,"start":51.755,"end":52.895},{"sentences":[{"text":"so busy then.","start":53.785,"end":54.925,"sentiment":"neutral","sentiment_score":-0.14048618574937186}],"sentiment":"neutral","sentiment_score":-0.14048618574937186,"channel":0,"num_words":3,"start":53.785,"end":54.925},{"sentences":[{"text":"And then had no toilet paper, so I had to get into the shops and","start":54.555,"end":58.66,"sentiment":"neutral","sentiment_score":-0.08775940537452698}],"sentiment":"neutral","sentiment_score":-0.08775940537452698,"channel":1,"num_words":15,"start":54.555,"end":58.66},{"sentences":[{"text":"Oh,","start":58.600002,"end":58.920002,"sentiment":"neutral","sentiment_score":-0.05147835984826088}],"sentiment":"neutral","sentiment_score":-0.05147835984826088,"channel":0,"num_words":1,"start":58.600002,"end":58.920002},{"sentences":[{"text":"get 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your insurances as they are for the moment there.","start":1348.165,"end":1350.885,"sentiment":"neutral","sentiment_score":0.07324512489140034},{"text":"You do","start":1350.885,"end":1351.2051,"sentiment":"neutral","sentiment_score":0.04397778399288654}],"sentiment":"neutral","sentiment_score":0.06463576170305411,"channel":0,"num_words":18,"start":1345.13,"end":1351.2051},{"sentences":[{"text":"Yeah.","start":1351.135,"end":1351.635,"sentiment":"neutral","sentiment_score":0.0381234809756279}],"sentiment":"neutral","sentiment_score":0.0381234809756279,"channel":1,"num_words":1,"start":1351.135,"end":1351.635},{"sentences":[{"text":"also have income protection.","start":1351.2051,"end":1352.665,"sentiment":"neutral","sentiment_score":0.019007722847163677},{"text":"It essentially does payout an income benefit if you're unable to work in the shorter term.","start":1352.805,"end":1357.605,"sentiment":"neutral","sentiment_score":-0.02381270390469581},{"text":"So say you're due you're off work due to being very heavily sick, you've broken a leg,","start":1357.605,"end":1362.405,"sentiment":"neutral","sentiment_score":-0.11068032429937054}],"sentiment":"neutral","sentiment_score":-0.05909561849123723,"channel":0,"num_words":37,"start":1351.2051,"end":1362.405},{"sentences":[{"text":"Yes.","start":1362.11,"end":1362.61,"sentiment":"neutral","sentiment_score":-0.03275565430521965}],"sentiment":"neutral","sentiment_score":-0.03275565430521965,"channel":1,"num_words":1,"start":1362.11,"end":1362.61},{"sentences":[{"text":"or you can't go to work for that ninety 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the super for you?","start":2050.63,"end":2065.905,"sentiment":"neutral","sentiment_score":0.06836295309993956},{"text":"What would you like?","start":2065.905,"end":2066.97,"sentiment":"neutral","sentiment_score":0.0031940792687237263}],"sentiment":"neutral","sentiment_score":0.05897866122758211,"channel":0,"num_words":67,"start":2043.83,"end":2066.97},{"sentences":[{"text":"I don't know.","start":2069.53,"end":2070.3499,"sentiment":"neutral","sentiment_score":-0.11094109962383907}],"sentiment":"neutral","sentiment_score":-0.11094109962383907,"channel":1,"num_words":3,"start":2069.53,"end":2070.3499},{"sentences":[{"text":"That's okay.","start":2071.6099,"end":2072.43,"sentiment":"neutral","sentiment_score":-0.05995971150696277}],"sentiment":"neutral","sentiment_score":-0.05995971150696277,"channel":0,"num_words":2,"start":2071.6099,"end":2072.43},{"sentences":[{"text":"I just want you guys to, you know obviously, you guys are the professionals, so I have no idea about risk and 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thank you for that conversation.","start":2998.29,"end":2999.91,"sentiment":"positive","sentiment_score":0.5250845154126486},{"text":"I really appreciate it.","start":2999.97,"end":3001.01,"sentiment":"positive","sentiment_score":0.6169776320457458},{"text":"We wanna help as many people as possible, obviously.","start":3001.01,"end":3003.815,"sentiment":"positive","sentiment_score":0.34759889708624947},{"text":"You know, we all work very, very hard, and retirement isn't something that everyone's prepared for.","start":3004.355,"end":3008.995,"sentiment":"neutral","sentiment_score":0.08967038337141275},{"text":"And it's important that","start":3008.995,"end":3010.195,"sentiment":"neutral","sentiment_score":0.1001123171299696}],"sentiment":"neutral","sentiment_score":0.27133289992045134,"channel":0,"num_words":39,"start":2998.29,"end":3010.195},{"sentences":[{"text":"Yeah.","start":3010.105,"end":3010.605,"sentiment":"neutral","sentiment_score":0.03133351728320122}],"sentiment":"neutral","sentiment_score":0.03133351728320122,"channel":1,"num_words":1,"start":3010.105,"end":3010.605},{"sentences":[{"text":"everyone has as much guidance as possible, and that's what we're here for.","start":3010.195,"end":3013.395,"sentiment":"neutral","sentiment_score":0.2563535433549147},{"text":"That's what we wanna do.","start":3013.395,"end":3014.275,"sentiment":"positive","sentiment_score":0.3713367223739624},{"text":"And one of the things I love about this, a, is the educational value, but the other side of it is we are working in the best interest.","start":3014.275,"end":3021.15,"sentiment":"positive","sentiment_score":0.4514369363231318},{"text":"So we'll always put your needs above that of our own of our company.","start":3021.15,"end":3025.65,"sentiment":"neutral","sentiment_score":0.33142052377973286},{"text":"So we always","start":3025.71,"end":3026.3499,"sentiment":"neutral","sentiment_score":0.26478569209575653}],"sentiment":"positive","sentiment_score":0.36926600478944327,"channel":0,"num_words":63,"start":3010.195,"end":3026.3499},{"sentences":[{"text":"Yep.","start":3026.3152,"end":3026.8152,"sentiment":"neutral","sentiment_score":0.22185663878917697}],"sentiment":"neutral","sentiment_score":0.22185663878917697,"channel":1,"num_words":1,"start":3026.3152,"end":3026.8152},{"sentences":[{"text":"put yeah.","start":3026.3499,"end":3027.47,"sentiment":"neutral","sentiment_score":0.24139171093702316},{"text":"We work under your best interest in making sure that we put your goals and your needs above that of everything else.","start":3027.47,"end":3032.405,"sentiment":"neutral","sentiment_score":0.3264951766891913},{"text":"That's really important to us here","start":3032.405,"end":3033.845,"sentiment":"neutral","sentiment_score":0.22832505653301874}],"sentiment":"neutral","sentiment_score":0.3011875882744789,"channel":0,"num_words":30,"start":3026.3499,"end":3033.845},{"sentences":[{"text":"Yeah.","start":3033.8352,"end":3034.235,"sentiment":"neutral","sentiment_score":0.17996884882450104}],"sentiment":"neutral","sentiment_score":0.17996884882450104,"channel":1,"num_words":1,"start":3033.8352,"end":3034.235},{"sentences":[{"text":"as well.","start":3033.845,"end":3034.5051,"sentiment":"neutral","sentiment_score":0.1552315279841423}],"sentiment":"neutral","sentiment_score":0.1552315279841423,"channel":0,"num_words":2,"start":3033.845,"end":3034.5051},{"sentences":[{"text":"Okay.","start":3034.235,"end":3034.635,"sentiment":"positive","sentiment_score":0.3799135088920593},{"text":"Thank you so much.","start":3034.635,"end":3035.7751,"sentiment":"positive","sentiment_score":0.6550822556018829}],"sentiment":"positive","sentiment_score":0.6000485062599182,"channel":1,"num_words":5,"start":3034.235,"end":3035.7751},{"sentences":[{"text":"Okay.","start":3035.925,"end":3036.325,"sentiment":"neutral","sentiment_score":0.30378028750419617},{"text":"That's okay.","start":3036.325,"end":3037.225,"sentiment":"neutral","sentiment_score":0.26051419973373413},{"text":"The last thing I just wanted to sort of go through was a quick response just to sort of gauge whether the action change your portfolio or your risk tolerance, essentially.","start":3037.445,"end":3047.03,"sentiment":"neutral","sentiment_score":0.03211840061891463},{"text":"I only have two questions, and it's essentially okay if you're not really sure on how you might react.","start":3047.49,"end":3053.1702,"sentiment":"neutral","sentiment_score":0.026459699398592898},{"text":"But if you saw, say, the market took a big dip and we saw your super fall by 20% in the next, say, six to twelve months, How do you think you might feel?","start":3053.1702,"end":3063.085,"sentiment":"neutral","sentiment_score":-0.03485267488833736}],"sentiment":"neutral","sentiment_score":0.013083016649744976,"channel":0,"num_words":87,"start":3035.925,"end":3063.085},{"sentences":[{"text":"Are you probably excited it's a buying opportunity?","start":3063.545,"end":3066.525,"sentiment":"neutral","sentiment_score":0.1269504427909851},{"text":"Wanna put some more money into the market?","start":3066.585,"end":3068.665,"sentiment":"neutral","sentiment_score":0.03178068622946739},{"text":"Are you a bit concerned?","start":3068.665,"end":3070.4448,"sentiment":"neutral","sentiment_score":-0.07424758821725845},{"text":"You might call us and see what we suggest you do, or are you very nervous and wanting to sell your investment to cash?","start":3070.585,"end":3077.72,"sentiment":"neutral","sentiment_score":-0.07740874425508082},{"text":"How do you where do you think you might fit?","start":3077.94,"end":3079.88,"sentiment":"neutral","sentiment_score":-0.0295777989551425}],"sentiment":"neutral","sentiment_score":-0.022817759283564307,"channel":0,"num_words":55,"start":3063.545,"end":3079.88},{"sentences":[{"text":"I'll probably call you 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advice.","start":3085.2048,"end":3085.9448,"sentiment":"neutral","sentiment_score":0.1911858394742012},{"text":"Yeah.","start":3087.2048,"end":3087.7048,"sentiment":"neutral","sentiment_score":0.16984237730503082}],"sentiment":"neutral","sentiment_score":0.18407135208447775,"channel":1,"num_words":3,"start":3085.2048,"end":3087.7048},{"sentences":[{"text":"Absolutely.","start":3087.46,"end":3087.96,"sentiment":"neutral","sentiment_score":0.23566335439682007}],"sentiment":"neutral","sentiment_score":0.23566335439682007,"channel":0,"num_words":1,"start":3087.46,"end":3087.96},{"sentences":[{"text":"Yep.","start":3088.805,"end":3089.305,"sentiment":"neutral","sentiment_score":0.11601437628269196}],"sentiment":"neutral","sentiment_score":0.11601437628269196,"channel":1,"num_words":1,"start":3088.805,"end":3089.305},{"sentences":[{"text":"And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get 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kinda mentioned, that seventy thirty kind of split with investments expected.","start":3146.05,"end":3149.99,"sentiment":"neutral","sentiment_score":-0.06100333940524321},{"text":"Our return is about six to 8%, and the likelihood of a negative return is expected one in every six years.","start":3150.705,"end":3156.5452,"sentiment":"neutral","sentiment_score":-0.23386104050136747},{"text":"So it is relatively low risk.","start":3156.5452,"end":3158.405,"sentiment":"neutral","sentiment_score":0.14886734882990518}],"sentiment":"neutral","sentiment_score":-0.054236018125499996,"channel":0,"num_words":70,"start":3133.2952,"end":3158.405},{"sentences":[{"text":"If we kinda think about risk as out of a number between one and five, so one being all sitting in cash, five being all your money in equity, and you're taking the highest level of risk, you're sitting at around about a three to 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about six years away from accessing super, I would be telling you to pull your risk down and, you know, I would guide you back.","start":3231.7,"end":3239.385,"sentiment":"neutral","sentiment_score":0.013674522483987468},{"text":"I would never leave you there right","start":3239.385,"end":3240.905,"sentiment":"neutral","sentiment_score":-0.015908393476690565}],"sentiment":"neutral","sentiment_score":0.007757939291851861,"channel":0,"num_words":35,"start":3231.7,"end":3240.905},{"sentences":[{"text":"Okay.","start":3240.89,"end":3241.39,"sentiment":"neutral","sentiment_score":0.02042333036661148}],"sentiment":"neutral","sentiment_score":0.02042333036661148,"channel":1,"num_words":1,"start":3240.89,"end":3241.39},{"sentences":[{"text":"till 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Do you feel like that would be fairly okay?","start_word":2267,"end_word":2314,"intents":[{"intent":"Evaluate recovery plan","confidence_score":0.002650499}]},{"text":"the call, I can send through a breakdown of your insurance cover.","start_word":2422,"end_word":2433,"intents":[{"intent":"Provide insurance breakdown","confidence_score":0.027312985}]},{"text":"Income wise, I had you on about 55,000 per annum. Has that increased at all recently, recently, or are For my you income?","start_word":2478,"end_word":2500,"intents":[{"intent":"Discuss situation","confidence_score":0.020864293},{"intent":"Discuss income level","confidence_score":0.20701373},{"intent":"Update income","confidence_score":0.20691937}]},{"text":"That way, you can sit down with Aaron for the level of cover you have, talk about what your goals are.","start_word":2772,"end_word":2792,"intents":[{"intent":"Discuss goals","confidence_score":0.04045262}]},{"text":"You've got the same amount of CBD cover. So, again, I can put that in the email there. Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover? Yeah.","start_word":2834,"end_word":2879,"intents":[{"intent":"Clarify cbd coverage","confidence_score":0.037543386},{"intent":"Discuss benefits of coverage","confidence_score":0.0005019603}]},{"text":"Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover? Yeah.","start_word":2852,"end_word":2879,"intents":[{"intent":"Discuss total time disability","confidence_score":0.013835105}]},{"text":"never able to go back to work again due to disability. Okay.","start_word":3032,"end_word":3043,"intents":[{"intent":"Explain reason for not receiving coverage","confidence_score":0.00021118954}]},{"text":"You do have the same level of cover at the moment, and Yeah. it means that if you were to claim on that, the amount received could be, essentially, with your super balance included, the same as your life cover. So it does provide pretty sufficient cover. It could pay out the mortgage Yeah. and then provide a little bit of additional income thereafter. Yes. Sorry.","start_word":3044,"end_word":3109,"intents":[{"intent":"Discuss future coverage options","confidence_score":0.0012421056}]},{"text":"So having more cover means that you get more in the event of a claim. But, realistically, we're trying to we're trying to protect ourselves against the risk of something occurring. It might Yeah.","start_word":3179,"end_word":3212,"intents":[{"intent":"Obtain cover","confidence_score":0.000044790122}]},{"text":"we'd like to just make sure there's a level of cover that you're comfortable with in the event of something occurring, but also making Yep. sure it's not too expensive because it does eat it can eat away your sleep, but if the premiums are too expensive. And, Okay.","start_word":3275,"end_word":3323,"intents":[{"intent":"Provide assurance","confidence_score":0.0030486085}]},{"text":"I've they need to lower their retirement age. It's just I don't wanna work anymore.","start_word":3348,"end_word":3362,"intents":[{"intent":"Reduce retirement age","confidence_score":0.09628117}]},{"text":"Or if you were off work, would you need to have that income protection coming in to support you guys, or would it just be extra?","start_word":3869,"end_word":3894,"intents":[{"intent":"Inquire about income protection","confidence_score":0.03109572},{"intent":"Clarify income requirements","confidence_score":0.0006164397}]},{"text":"That's the monthly benefit. Monthly, not weekly.","start_word":3926,"end_word":3932,"intents":[{"intent":"Explain monthly benefit maximum","confidence_score":0.000009165392}]},{"text":"protection, that monthly benefit you're looking at, Yeah. that is also a free tax benefit. So the same as you pay income tax on your employer, that would Yes.","start_word":3999,"end_word":4027,"intents":[{"intent":"Seek clarification on benefits","confidence_score":0.0000012000082}]},{"text":"that is also a free tax benefit. So the same as you pay income tax on your employer, that would Yes.","start_word":4007,"end_word":4027,"intents":[{"intent":"Provide information on income tax exemption","confidence_score":0.000013823458},{"intent":"Explain tax benefits","confidence_score":0.053499978}]},{"text":"It could be worthwhile definitely doing it. Yeah.","start_word":4095,"end_word":4102,"intents":[{"intent":"Express desire for increased income protection","confidence_score":0.002055543}]},{"text":"And you can come back and let me know as to whether you would like me to update the advice to reflect, because I do wanna provide some new advice and make some changes to your portfolio. Okay.","start_word":4151,"end_word":4188,"intents":[{"intent":"Update advice","confidence_score":0.0013163819},{"intent":"Offer advice on portfolio changes","confidence_score":0.00054452394}]},{"text":"That ninety day waiting period, do you feel like that's appropriate and comfortable? Would good.","start_word":4350,"end_word":4364,"intents":[{"intent":"Qualify policy","confidence_score":0.0000017040079}]},{"text":"You've got a five year benefit period. That is not a bad benefit period because it means you can be on a claim for up to five years. Most Yeah.","start_word":4529,"end_word":4558,"intents":[{"intent":"Explain benefits","confidence_score":0.018711913}]},{"text":"Is there any kind of thought on whether you wanted to look at anything additional or you're happy with with what you've got and just kind of wanting to see everything in broken down to make it easier? Yeah.","start_word":4735,"end_word":4773,"intents":[{"intent":"Evaluate insurance options","confidence_score":0.013646332}]},{"text":"performance report on how your investors Yep. have returned.","start_word":5127,"end_word":5135,"intents":[{"intent":"Report performance","confidence_score":0.0035300853}]},{"text":"got a couple of options that I can, you know, focus on with regard to replacement of that. Are you wanting me to maybe look at keeping keeping more of an actively amended fund in your portfolio, or do you want me to focus on the cost side of it reducing risk and maybe reducing the investment cost within the super for you? What would you like?","start_word":5738,"end_word":5804,"intents":[{"intent":"Discuss portfolio options and recommendations","confidence_score":0.00045995292}]},{"text":"just wanna keep building on that for you and try to, you know, make sure those returns keep up and Yeah.","start_word":6150,"end_word":6170,"intents":[{"intent":"Reflect on portfolio objectives","confidence_score":0.0001069137}]},{"text":"sort of see when the market is going down, that is definitely illuminated in the world.","start_word":6688,"end_word":6703,"intents":[{"intent":"Highlight market trends","confidence_score":0.00144968}]},{"text":"So that implementation fee that you paid initially to come on board, we will never charge that again for advice around super insurances. That's all included in the ongoing services phase with yeah. And we'll provide advice as often as we have to to help you along, and there's no additional fees for that advice, essentially. Does that make sense? Yes.","start_word":7116,"end_word":7176,"intents":[{"intent":"Educate about implementation fee and advisor fees","confidence_score":5.8752274e-8}]},{"text":"print it I can print it out at work, I suppose?","start_word":7536,"end_word":7546,"intents":[{"intent":"Print document","confidence_score":0.082780585}]},{"text":"You could always just Does when it Aaron have to gets go home, in? ask him to give you a hand. Yeah. Sorry.","start_word":7654,"end_word":7676,"intents":[{"intent":"Ask about aaron's hand","confidence_score":0.0007202025}]},{"text":"I can also get one of my team to give you a buzz later if you like to kinda give you a little bit of help with the signing process.","start_word":7743,"end_word":7772,"intents":[{"intent":"Get help with signing process","confidence_score":0.008323418}]},{"text":"The last thing I just wanted to sort of touch on is just reevaluating a couple of small things. With your goal of accessing super at, hopefully, the age of 60, how is expenditure within the household at the moment? Do you feel that you would be willing or okay to make additional contributions to suit that it helps your balance grow a little bit faster, or is that not something you guys have the the money for at the moment?","start_word":7864,"end_word":7944,"intents":[{"intent":"Evaluate costs and make contributions","confidence_score":0.000029211567}]},{"text":"And just with the beneficiary side of things, just confirming that you wanted your beneficiary set up so everything is paid to Aaron in the event that something happens. Is that right? Yeah.","start_word":8043,"end_word":8075,"intents":[{"intent":"Confirm beneficiary setup and beneficiary status","confidence_score":0.0038444777},{"intent":"Set up and resolve will","confidence_score":0.0000074295895}]},{"text":"and then you just that's the last thing you wanna do is, like, sort out stuff. Yeah.","start_word":8152,"end_word":8168,"intents":[{"intent":"Sort things out","confidence_score":0.016207412}]},{"text":"I can organize someone to call and sort of give them an idea of what financial advice is and how it works. Yeah.","start_word":8520,"end_word":8542,"intents":[{"intent":"Provide financial advice","confidence_score":0.018581817}]},{"text":"So I should just send you guys an email with her, like, details and stuff? Yeah.","start_word":8543,"end_word":8558,"intents":[{"intent":"Request email with details","confidence_score":0.0017331288}]},{"text":"If you just find out from them when's more comfortable for us to give them a call, that way we can make it at a more appropriate time for them, and Yes.","start_word":8716,"end_word":8747,"intents":[{"intent":"Request a call","confidence_score":0.00035672798}]},{"text":"And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get greater potential returns knowing there's also a downside? Are you comfortable Yeah.","start_word":9187,"end_word":9228,"intents":[{"intent":"Evaluate risk management","confidence_score":0.00009286066}]},{"text":"way, we can reassess how the portfolio is working, how it's Yep. all working for you, and your Yeah. comfort level.","start_word":9885,"end_word":9905,"intents":[{"intent":"Analyze portfolio","confidence_score":0.002944573}]},{"text":"I just wanted to double check because I'm looking at insurances just to see if there's any changes to your health Mhmm.","start_word":10073,"end_word":10094,"intents":[{"intent":"Check insurance status","confidence_score":0.021304471}]},{"text":"I just wanted to double check because I'm looking at insurances just to see if there's any changes to your health Mhmm. that I need to maybe take into account. Yep.","start_word":10073,"end_word":10103,"intents":[{"intent":"Apply for insurance","confidence_score":0.0026668864}]},{"text":"What I might need to do I'm just sort of having a look at the the last application. There's really nothing that kind of flicks up, but because you do have those two jobs, I just need to kind of understand a bit more about those roles to be able to assess the increase in income protection and what that looks for you and what kind of contracts might be offered so the advice is nice and accurate. Yeah.","start_word":10308,"end_word":10386,"intents":[{"intent":"Understand ohio roles","confidence_score":0.0000039972333}]},{"text":"Is it okay if I get one of my admin team just to call and go through a bit of a quick pre assessment with you one day next week just so I can get a full guide on how Yep. everything looks for you for the advice? Yep.","start_word":10387,"end_word":10435,"intents":[{"intent":"Get general guidance on yep","confidence_score":0.00010581829},{"intent":"Schedule pre assessment","confidence_score":0.084134474}]},{"text":"Is there a day that normally fits you best for a time?","start_word":10440,"end_word":10451,"intents":[{"intent":"Schedule call","confidence_score":0.46209443},{"intent":"Specify time","confidence_score":0.0013687179}]},{"text":"So my team member, Samantha, will give you a call. She'll run through a bit of a pre assessment with you just to kinda get a gauge on how everything is, any change circumstances on what your work looks like. And then Yep.","start_word":10497,"end_word":10539,"intents":[{"intent":"Assess work","confidence_score":0.20718542}]},{"text":"I'll add a text message reminder there for you, Allison, as well.","start_word":10593,"end_word":10604,"intents":[{"intent":"Add reminder","confidence_score":0.59017146}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Allison. This is Dana from Oakview Financial. How are you this this morning? Sorry. Yeah.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.1496044397354126},{"text":"That's I'm good. How are you? I'm very well. Thank you.","start_word":17,"end_word":27,"sentiment":"positive","sentiment_score":0.5090692043304443},{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you? Yes.","start_word":28,"end_word":49,"sentiment":"neutral","sentiment_score":0.24995630979537964},{"text":"That's that's Fantastic. fine.","start_word":50,"end_word":53,"sentiment":"positive","sentiment_score":0.5128640532493591},{"text":"Before we jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? That's fine. Yep.","start_word":54,"end_word":88,"sentiment":"neutral","sentiment_score":0.1177491694688797},{"text":"Beautiful.","start_word":89,"end_word":89,"sentiment":"positive","sentiment_score":0.4122653603553772},{"text":"And just to do security there with you, we're supposed to confirm your full name, your date of birth, and address I should have on file there. Yep. Allison Audra, 16 Gershwin Crescent, Claremont Meadows, New South Wales 2747, 12/09/1983. Beautiful.","start_word":90,"end_word":130,"sentiment":"neutral","sentiment_score":0.09862644225358964},{"text":"Thank you so much for that.","start_word":131,"end_word":136,"sentiment":"positive","sentiment_score":0.5478774905204773},{"text":"How's your morning been so far? Yeah. Okay. Just the school Oh, run and all that. so busy then. And then had no toilet paper, so I had to get into the shops and Oh, get up. no. Yeah. No I was like, toilet no. paper and children I isn't know. a good combination. I know. Right? Yeah. Oh, look. All good. Look. I'll try to set up too much of your practice, Sam. I can see that you're clearly very busy today. I don't normally send through some annual review documents for you for you to run through with me. Are Yeah. you okay to look at your emails? Or Yeah. I'll just jump. I've got my laptop out. no So worries. I'm not I'll on just the send emails yet, though. But, that's yeah, okay. just You're thought fine. I'll get it out. I'll just send that through to you. Your email address I have is aldred83@outlook.com. Is that right? It's audreyed83@outlook. Yep. Yep. Yeah. You And said .com@theend? audreyed Yeah. eighty at eighty three. I think Oh, you said I'm so sorry. I got a bit tongue tied there.","start_word":137,"end_word":328,"sentiment":"neutral","sentiment_score":-0.015529299154877664},{"text":"My apologies.","start_word":329,"end_word":330,"sentiment":"negative","sentiment_score":-0.3441741168498993},{"text":"yeah. That's okay. Oh, good. Yeah. So I'm on my emails now. Okay. Dana Taylor. Yep. Yep. That's the one.","start_word":331,"end_word":350,"sentiment":"neutral","sentiment_score":0.1527608335018158},{"text":"Thank you.","start_word":351,"end_word":352,"sentiment":"positive","sentiment_score":0.5786100625991821},{"text":"Yep. When you Okay. open that one there, it'll have a button that says, I believe, click the start. It'll say what? Click to start at the very top. It just says to sign request. What Yes. is Yes. Perfect. Sorry. They've updated that. It used to say click the start, then you go through to the next document. So yeah. So press that button, and then if you go through, it should say the summary of your granulation and insurances. yeah.","start_word":353,"end_word":434,"sentiment":"neutral","sentiment_score":0.04749579355120659},{"text":"So I'm not signing the document because it's saying No. at the No. end. Not correct.","start_word":435,"end_word":450,"sentiment":"negative","sentiment_score":-0.36018630862236023},{"text":"So Yeah. just No. click It's on just the the link. yep. Yeah. Okay. And it'll take you through so you can view the documents and run through them all. It doesn't ask you to sign anything until you have read them all through, and you're Okay. welcome to take them back and review them prior to signing. I'll never ask you to Yeah. sign anything Okay. you haven't read. Just the first document should say summary of superannuation and insurance is there. Can you see that one? Is that nice and clear in front of you? Not yet. Oh, sorry. Hang on a sec. No. No. You're fine. Trying to open this link. I don't know what this is doing. No. That's okay. Is it loading? Or So no. I don't think so. So your email just says, hello, Allison. It's got your name with, mhmm. like, a few other words, and then it says, Yep. like, have you been well, blah blah blah blah blah. And Yep. then yeah. Then there's a link. And I click on the link, and it just takes me to where you guys are located. Is that and then at the That's bottom of it, it says oh, okay. to sign No. So document. at yeah. If you're supposed to assign documents, what does that do? It should take you forward so you can see the document. It used to have at the very top on the bottom Yeah. depending on what you're looking at the documents on, whether it be a phone or a computer. It used to have a button that said click and assign, and you could click that button, and it would take you through so you can see the next document or the first Yeah. document. Well, it just takes me to Google account. Yeah.","start_word":451,"end_word":757,"sentiment":"neutral","sentiment_score":0.0021280476410876267},{"text":"No. That's definitely not the spot we want you That's to not be.","start_word":758,"end_word":770,"sentiment":"negative","sentiment_score":-0.4656761586666107},{"text":"no. Yeah. I don't know.","start_word":771,"end_word":775,"sentiment":"neutral","sentiment_score":-0.28066959977149963},{"text":"Okay. It's annoying.","start_word":776,"end_word":778,"sentiment":"negative","sentiment_score":-0.5512236952781677},{"text":"If Okay. you go So out, I then don't go back know. in again. Okay. That's okay. I'll just resend the documents through you as well because that might help. I don't know.","start_word":779,"end_word":811,"sentiment":"neutral","sentiment_score":-0.0646020919084549},{"text":"I feel like I'm missing something.","start_word":812,"end_word":817,"sentiment":"negative","sentiment_score":-0.5221754908561707},{"text":"Yeah. Normally, when you go in, there's a button at the very top of the screen. It says normally, it says click to sign unless they've changed it, but it normally is at the top of the screen or the bottom of the screen. And it it says click to sign or click to start. Maybe I'll check it on my phone and see if Yeah. it's different You're right. on my phone. I've just reset them to you as well. So there should be a new link coming because it could've been the link. You're not popping up on my phone. No? Has it gone to the the junk mail at all? Okay. Sometimes I get a direct Yeah. to junk. If not, I can just But run it's through in things my it's for in my you. process inbox on the Oh. laptop, but it's not Yep. on my side at all. That's I've had it it happened once or twice before. It's like some of the emails register or receive a fax and others depending on what Oh, you're no. connected It's to coming and through. receiving. It's coming through now. Yeah.","start_word":818,"end_word":1012,"sentiment":"neutral","sentiment_score":-0.060942184180021286},{"text":"Oh, perfect.","start_word":1013,"end_word":1014,"sentiment":"positive","sentiment_score":0.33363544940948486},{"text":"I'll just click on your email. Okay. That's okay. And at the top, is there a button that says click to sign or click to start or sign document? No. Just at the Is bottom, there any it says sign document. yes. So click on that button there, Mhmm. and it should take you to the next document. And on the top of that next document, it should say summary of superannuation and insurances as of yesterday's date. So Is that it's loading for you at the moment it's or yeah. It's come up, but it's just blank. And then at the bottom, it says Oh. next document. And then I click on next document, it takes me to the next page, but they're all blank.","start_word":1015,"end_word":1140,"sentiment":"neutral","sentiment_score":-0.01719929078327758},{"text":"If oh, it's like it hasn't loaded correctly because there's definitely like, I'm looking at the email on this side of it. I can see there's definitely writing in the documents. Like, they're not loading correctly.","start_word":1141,"end_word":1176,"sentiment":"negative","sentiment_score":-0.3547417223453522},{"text":"Yeah. Let It me just might be just the I'll way go it's been back, being and I'll try again. yeah. That's okay. I'm so sorry. It's alright. Nothing coming up on my end. Is there a, like, a next like, a button that you can sort of scroll across back and forth throughout the documents at all? Yeah. I'm having a lot. Scrolling. Nothing's happening. It's like it's just taking a lot longer to load Yeah. to register Probably. because it's definitely that's okay. If Otherwise, it's easier, they're not working I can on the laptop. I'm not sure. If you go back to the laptop and you press that same button, just see Yeah. if it does the same thing for you. Because it's just like the documents aren't being they're not being loaded correctly or Yeah. love technology when it wants to work for us. Okay. It's working on the laptop. It's not working on the Okay. No. That's okay. It's just the way it's sort of being received and downloaded. That's okay. It's just easier if you're able to see them. We get there in the end.","start_word":1177,"end_word":1367,"sentiment":"neutral","sentiment_score":-0.04840977117419243},{"text":"It's all good. I love technology when it wants to work in our favor. Yeah. Yeah. That's all good.","start_word":1368,"end_word":1386,"sentiment":"positive","sentiment_score":0.6164627075195312},{"text":"Okay. The first one there is your summary showing you your updated balance there. So so can I give you a view last year So at this time? it is Sorry? approximate Yep. benefit. Is that how much I have in my system? That's your balance as of yesterday's date there. Wow. Correct. So if That's we look good. at it last year, your balance is a 144,505 a $144,509.99 there, and you're sitting Yes. at a $162,287.50 there as of yesterday's date, which is Yeah. good. That's what we Okay. wanna see. That's Yeah. good. And what what Yeah. about when I joined? How much did I have when I joined? You're right. I can go back and look at that for you as well.","start_word":1387,"end_word":1512,"sentiment":"neutral","sentiment_score":0.0600389689207077},{"text":"That is absolutely fine.","start_word":1513,"end_word":1516,"sentiment":"positive","sentiment_score":0.33330628275871277},{"text":"Two seconds. I'll just go into the stuff file and look at the original advice piece. That was 2024. So back then, we had a record super balance of 116 so 121,319 within Tessa. The starting balance in Hub '24 was 116,919 after the implementation date end. So we That's started with good. 116,000. We worked up to Yes. a 144 last year, and then we're now seeing at a $162,287.50 there, which Yeah. is good. That's That's what good. we wanna see. Yeah. That's But good. we wanna make sure it continues to work harder for you as well. Yes. So your balance is doing really well. When I sort of look at how things have performed, some people do prefer a job as opposed to a percentage, so I like to give both. When we look at the income plus the growth within the portfolio over the past twelve months, we've essentially made eleven thousand one hundred and forty seven dollars and ten cents as in growth and income within the portfolio. Yep.","start_word":1517,"end_word":1691,"sentiment":"neutral","sentiment_score":0.1111777275800705},{"text":"It equates to about a 6.80% return, so it is very on par for where we'd expect your super to be. It is Okay. really good that it has returned that.","start_word":1692,"end_word":1722,"sentiment":"positive","sentiment_score":0.4414569437503814},{"text":"This year has been very up and down with the market, and we have seen a lot of volatility there. But from sort of July onwards, we've seen a bit more of a not so much stable, but more stability within the market there. So it has Yep.","start_word":1723,"end_word":1770,"sentiment":"neutral","sentiment_score":-0.12838348746299744},{"text":"performed really well. However, I do wanna update some advice because there is some changes I would like to make to your super, and I've I've found some areas that we can definitely look to improve on your performance and try to make sure it's working longer term for you.","start_word":1771,"end_word":1820,"sentiment":"positive","sentiment_score":0.362167090177536},{"text":"And that's part of what we do Yeah. is to make sure Okay. we update the advice and make changes as we need to so that your future is reflective and working harder towards your goals long term for you as well. Yep. Okay?","start_word":1821,"end_word":1864,"sentiment":"neutral","sentiment_score":0.2228279560804367},{"text":"Thank you.","start_word":1865,"end_word":1866,"sentiment":"positive","sentiment_score":0.46098995208740234},{"text":"That's okay. On the bottom there, you've got your insurance notice. So you've got some life and TDD and some income protection there as well. In the event of passing, if you were to say pass away today, your life cover pays out 819,000, and then your super balance is paid on top of that. Yes. Am I right in assuming you probably want all that paid to Aaron to cover bills, expenses, living costs? Yes. Yeah.","start_word":1867,"end_word":1943,"sentiment":"neutral","sentiment_score":0.07437331974506378},{"text":"Beautiful.","start_word":1944,"end_word":1944,"sentiment":"positive","sentiment_score":0.4028100371360779},{"text":"Are you fairly happy with that level of cover? Did you wanna kinda look at reviewing that at all? I don't know. That's okay. Well, we Yeah. can talk about it. It's Yeah. absolutely fine. I guess so. If it's Of course, I'll yeah. I'll That's like it to be more, but you know absolutely. I mean, if yeah. you sort of look at the amount that you are covered for, so if we kinda Yeah. break it down to make it a bit easier because that might Yes. make it helpful. If we look at that, so your super plus your life insurance essentially comes to about 981,287. Yeah. Yep. On your main primary residence, I haven't noticed you don't have any debt. Is that correct? Your debt rate on your main primary home? We do have a mortgage. You do have a mortgage. Do you know how much you have owing on that? I think about 3 something or 400,000, something like that. Yep. No. Yeah. That's Yeah. Like, no personal debts or anything like that. okay. No. No. We're That's just okay. paying the mortgage. Yep. So I had there's a debt owing on the investment property of 350. Is that what you have on the investment property, or would that have been the two loans combined? On the investment, we have it's less than that. It's not $3.50. Mhmm. I think we bought the house for $3.50, so it's less than that. Yeah. So it's probably around 300. Mhmm. 300 on that one. Beautiful. And, sir, Yeah. how much did you say was on the main primary residence at the About moment? 400. About 400.","start_word":1945,"end_word":2223,"sentiment":"neutral","sentiment_score":0.022740417884455785},{"text":"Excellent. Yeah. Beautiful. Save those for you. Lovely.","start_word":2224,"end_word":2231,"sentiment":"positive","sentiment_score":0.4758608937263489},{"text":"So, realistically, if you think about the level of cover that you have at the moment there, the 981, if you then sort of have that paid out to cover the two mortgages, that Yes. would essentially roughly leave about 281,000 for Aaron to, you know, have paid out both of those loans, be completely debt free, collect income from the investment property, and then, Yeah. you know, take some time off to recover. Do you feel like that would be fairly okay? Well, we probably wouldn't we'd probably sell the investment anyway. Yes. Yeah. Like yeah. So we wouldn't keep both houses, so we'll just need one to live in. But, Yes. like, obviously, because it's an investment, that'll just sell eventually, and then that's the plan. Yeah. Yeah. And then yeah. I don't know. I'm not very good with, like, all these numbers and stuff, but yeah. That's okay. That you're That's honestly like fine. It's this more is like Aaron's, like, you know, here's the name. Yeah. he's the man. Yeah. I'm just like, yeah. Whatever. Yeah. That's okay. That's definitely fine. If you like, after Yeah. the call, I can send through a breakdown of your insurance cover. That way, you're able to Yeah. sort of have a chat to them about it. Yeah. And then if you decide you wanna review that or reassess it, you're welcome to let me know. How does that sound?","start_word":2232,"end_word":2471,"sentiment":"neutral","sentiment_score":0.01999592494297152},{"text":"Yeah. That sounds good. Yes. Beautiful.","start_word":2472,"end_word":2477,"sentiment":"positive","sentiment_score":0.611497163772583},{"text":"Income wise, I had you on about 55,000 per annum. Has that increased at all recently, recently, or are For my you income? still the Yeah. I think I was on same? maternity leave when I joined you Yeah. guys, and so I'm Yeah. back full time now. So Yep. I earned a 100 this year. 100,000. A 100,000? Let's update Mhmm. that for you. Absolutely. So, realistically, Yeah. I mean, if you looked at the level of cover you have at the moment and I'll break this down in the email for you just to provide clarification so you can kinda break it through and talk about the outcome. But if you were to sort of, you know, take the level of cover you have, pay off the main primary residence, that essentially leaves about $581,002.87 roughly. And then Yes. dividing that by that money, that certainly gives a little over, you know, five years worth of income replacement on top of that. And then if he wants to sell the investment property, clear that loan, there could be additional funds there to support him in the event of you passing. So we tend to kinda look at it that way Yes. and sort of see, does that kind of meet your goal? Does that provide sufficient color for you based on that sort of outcome at the moment? Or That's hard questions. I will ask all the questions you probably never thought of to answer. Yeah. I No. promise. Yeah. That's okay. I can keep it as is for the time being for the noting that at the moment, it's it's, you know, a pretty comfortable level, and then I'll email that through to you at the end of the Yeah. call. That way, you can sit down with Aaron for the level of cover you have, talk about what your goals are. And if you wanna Yeah. look at increasing that or changing it, you just let me know. We can come back to any kind of re review Okay. that for you. No worries.","start_word":2478,"end_word":2825,"sentiment":"neutral","sentiment_score":0.07703940167851832},{"text":"Yeah. Excellent. Yeah.","start_word":2826,"end_word":2828,"sentiment":"positive","sentiment_score":0.5639984607696533},{"text":"Okay. You do have this. You've got the same amount of CBD cover. So, again, I can put that in the email there. Essentially, do you understand how CBD works, how total time disability works, or what it is, or do you have any questions around that type of cover? Yeah. Oh my god. Lots to think about.","start_word":2829,"end_word":2886,"sentiment":"neutral","sentiment_score":0.07030000537633896},{"text":"I'm, like, brain dead this morning as well.","start_word":2887,"end_word":2894,"sentiment":"negative","sentiment_score":-0.3810017108917236},{"text":"I have brain fog. Oh, you're Yeah. you're fine. Like, no. No. That Seriously, I do. Like, I'm just, like, my mother-in-law's sick, looking after her nursing So sorry. twenty four seven kids. It's just yeah. That's why I've It's had a to lot. re like, this phone never answered my phone. This is Yeah. yeah. No. Of course. Yeah. It's just Absolutely. a lot. But Oh, yeah. we are also yeah. That's alright. I can I'll break down the the information in the email for you. You can sort Okay. of see it after the call just to kind of be able to mull it over. Mhmm. But Yeah. just to give you a little bit of information now, so total permanent disability, it basically pays out a lump sum or an income if you're Yeah. never able to go back to work again due to disability. Okay. You do have the same level of cover at the moment, and Yeah. it means that if you were to claim on that, the amount received could be, essentially, with your super balance included, the same as your life cover. So it does provide pretty sufficient cover. It could pay out the mortgage Yeah. and then provide a little bit of additional income thereafter. Yes. Sorry. I just I think I do apologize. That's alright. But I'll write that down so you can talk to Aaron as to weigh it up Yeah. So do because you think there that is is enough? a lot to sort of take into.","start_word":2895,"end_word":3152,"sentiment":"neutral","sentiment_score":-0.003906499594449997},{"text":"It is a really good amount of cover.","start_word":3153,"end_word":3160,"sentiment":"positive","sentiment_score":0.41762399673461914},{"text":"Okay. I mean, the other thing is that you do pay for these out of your super. So having more cover means that you get more in the event of a claim. But, realistically, we're trying to we're trying to protect ourselves against the risk of something occurring. It might Yeah. only be a very small chance that we actually claim on these. And the Yeah.","start_word":3161,"end_word":3226,"sentiment":"neutral","sentiment_score":-0.02825649037505641},{"text":"biggest risk we have insurance is that we pay the premium, and then we get to retirement, and we cancel the cover. We've never claimed on them, but we don't get the premiums back as well. So that's essentially the ultimate risk we have with insurances.","start_word":3227,"end_word":3272,"sentiment":"negative","sentiment_score":-0.5107892155647278},{"text":"So Yeah. we'd like to just make sure there's a level of cover that you're comfortable with in the event of something occurring, but also making Yep. sure it's not too expensive because it does eat it can eat away your sleep, but if the premiums are too expensive. And, Okay. ultimately, Yeah. you work, you know, forty odd Yeah. years to get to retirement. Am I right? You wanna Yeah.","start_word":3273,"end_word":3343,"sentiment":"neutral","sentiment_score":0.0008557798573747277},{"text":"enjoy that retirement.","start_word":3344,"end_word":3346,"sentiment":"positive","sentiment_score":0.4849441349506378},{"text":"Exactly. I've they need to lower their retirement age.","start_word":3347,"end_word":3355,"sentiment":"neutral","sentiment_score":-0.1581002026796341},{"text":"It's just I don't wanna work anymore.","start_word":3356,"end_word":3362,"sentiment":"negative","sentiment_score":-0.3378550708293915},{"text":"What what age do you think you'd like to retire? What's your goal age at the moment? I could I would retire today if I could. We're Oh, not me too. uh-huh. Not like you know what I mean? Like, I would at least Yeah. cut back, like, you know, hours Yep. because I I think I think I'll be a little bit bored and have to do a little like, a little bit of something. But yeah. Yeah. But yeah. I could I could stop now. I'm Yeah. 42. So, yeah, it's like a good age. I've been working since I was 15. Yeah. You've worked a really long time. I know. How many years? Twenty five plus Yeah. years. No. Yeah. You've you've worked hard, and there's still a few more years to go. I mean, yours is the same age as me, so we can't technically retire to the age of 60 there as the earliest opportunity currently. Yeah. But I know by the time we get there, we will have worked a lifetime. And And when then can we when you think when about when can you dip into it so far? at at 60. 60.","start_word":3363,"end_word":3562,"sentiment":"neutral","sentiment_score":-0.09459429091773928},{"text":"Oh, excellent.","start_word":3563,"end_word":3564,"sentiment":"positive","sentiment_score":0.4498040378093719},{"text":"Yeah. Okay. That's Yeah. the golden 60. Yep.","start_word":3565,"end_word":3572,"sentiment":"neutral","sentiment_score":0.2560628652572632},{"text":"Beautiful. I like that.","start_word":3573,"end_word":3576,"sentiment":"positive","sentiment_score":0.7235977649688721},{"text":"The best earliest opportunity will access Yeah. it. I'm gonna try one of the letter before that. Well, if you do, let me know. Yeah. No worries. No worries at all. So I'll keep your insurances as they are for the moment there. You do Yeah. also have income protection. It essentially does payout an income benefit if you're unable to work in the shorter term. So say you're due you're off work due to being very heavily sick, you've broken a leg, Yes. or you can't go to work for that ninety days. Okay. Based on your level So, of income protection yeah, sorry. it says You're right. 2,600, Yep. and then that won't be paid until after three months. Is that what it's saying? That's correct. Yeah. You've got Yeah. a ninety day waiting period. So that means you would just have to be off work for ninety days before you can make that claim, Okay. and Yeah. the claim tends to be paid, say, thirty days after that. So, realistically, you're waiting a hundred and twenty days before your first payment comes in. Yeah. With income protection, just so you have a little bit of information, if we base your income, you said you're you made about a 100,000 last year. Yes. Yeah. So we Surprisingly. look at that, and then you can't that's Yeah. okay. If you look at that, we realistically, they have you covered with the maximum benefit payable because income protection can pay up to 70 percent of your pre disability earnings. A 100,000 means you would realistically need to be insured for 5,833. But in saying that, if Aaron's the main primary breadwinner, does he bring in enough money to cover your bills? Or if you were off work, would you need to have that income protection coming in to support you guys, or would it just be extra? I don't think we can live off just one wage, so Yep. we would need extra. Yep. Would Yeah. you say that 2,600 Oh, pretax is this monthly? would be comfortable? Yeah. That's the monthly benefit. Monthly, not weekly. I mean, or No. fortnightly. Sorry. Yeah. No. Yeah. Sorry. Yeah. That's alright. Yeah. So you're saying to increase it? If you need to, yeah. So it also Yeah. comes down to, you know, if if that amount would be sufficient. So the other thing to think about and I'll put this in the email because it is a lot to take in. The income Yep. protection, that monthly benefit you're looking at, Yeah. that is also a free tax benefit. So the same as you pay income tax on your employer, that would Yes. also be subject to income tax. So, realistically, you might get 2,300 or just over $2,000 as a monthly So benefit. you'd get taxed on that. Is that what you're saying?","start_word":3577,"end_word":4058,"sentiment":"neutral","sentiment_score":0.0024834497828984292},{"text":"You do, unfortunately.","start_word":4059,"end_word":4061,"sentiment":"negative","sentiment_score":-0.3424469530582428},{"text":"Yeah. Okay. They Yeah. You they get take taxed us on in everything. every way, shape, or form. Yeah. We do. Yeah.","start_word":4062,"end_word":4083,"sentiment":"neutral","sentiment_score":-0.10108556598424911},{"text":"Shocking.","start_word":4084,"end_word":4084,"sentiment":"negative","sentiment_score":-0.41131383180618286},{"text":"Yeah. Okay. So do you think it should be increased?","start_word":4085,"end_word":4094,"sentiment":"neutral","sentiment_score":-0.01983954012393951},{"text":"It could be worthwhile definitely doing it.","start_word":4095,"end_word":4101,"sentiment":"positive","sentiment_score":0.493344783782959},{"text":"Yeah. If you like, what I'll do, I'll find out whether I can get the quote pre done, but I'll put that information into an email for you so you can mow it over, Aaron, and sort of have a look at what you would like to do. Yep. And you can come back and let me know as to whether you would like me to update the advice to reflect, because I do wanna provide some new advice and make some changes to your portfolio. Okay. So as part of that, I could always increase the income protection in line with your income and show you that as part of the advice document. Yep. There's you don't have to take it if you don't want to. You advice that we provide is essentially just advice, but it's showing you what what we can do, how this looks, the advantages, the disadvantages, and the risks involved. And then you No. get to take that advice away, read it over, and decide whether you wanna take that advice or not. So I'll put all of this in an email. And if you like, as part of the advice, I'll look at increasing the income protection benefits, show you what that looks like for you, and then you get to decide with Aaron whether you're happy to take that or whether you don't you know, what you're Yeah. happy to do. Does that Yeah. sound okay? Okay. Sounds Yes.","start_word":4102,"end_word":4348,"sentiment":"neutral","sentiment_score":0.1689256232397759},{"text":"Beautiful.","start_word":4349,"end_word":4349,"sentiment":"positive","sentiment_score":0.6168912649154663},{"text":"That ninety day waiting period, do you feel like that's appropriate and comfortable? Would good. you wanna alter, reduce that, or do you think ninety days before claiming would be okay? I thought that that's what it was. It couldn't reduce it. To my understanding, they definitely do do less. Oh, Generally, okay. we can have a thirty day, six day, or a ninety day waiting period. Oh, okay then. Yeah. Yeah. They can even go longer, make the policy cheaper. Having a thirty or sixty day waiting period does Oh, that's make Vera. the policy a bit more expensive, but Okay. it also Maybe means just you leave can it claim then. you're happy with that? Yep. Yeah. Just leave it. Yep. That's okay. I can add all that Yeah. information into the email for you as well, break down, you know, what it is so you can kind of look at it after the call. Because I know it is a lot to take in while I'm talking to you, so Yeah. I understand that. That's alright. You've got a five year benefit period. That is not a bad benefit period because it means you can be on a claim for up to five years. Most Yeah. claims are dealt with within the first two years, so it does mean you can be on a claim longer, and it's also keeping the policy fairly cost effective for you. So five years Yeah. isn't a bad benefit period. Do you feel pretty comfortable keeping it that way? Yeah.","start_word":4350,"end_word":4608,"sentiment":"neutral","sentiment_score":0.10042395310397312},{"text":"That's Yep. Beautiful. Excellent.","start_word":4609,"end_word":4612,"sentiment":"positive","sentiment_score":0.5645965933799744},{"text":"The other types of insurances fine. that you can technically hold that you don't have are trauma. Trauma pays out like a lump sum benefit. Tax free if you're diagnosed with cancer, Parkinson's, you have a heart attack or a stroke. And you can only get, like, trial trauma policies where you can put insurance in place to cover to cover your child if they are diagnosed with major traumatic conditions like cancer or if they pass away, it pays out a lump sum benefit to cover their funerals and things like that. Mhmm. Those other sorts of trauma and child trauma policies, they have to be paid personally. So out of your back pocket, they cannot be held inside so far. Is there any kind of thought on whether you wanted to look at anything additional or you're happy with with what you've got and just kind of wanting to see everything in broken down to make it easier? Yeah. You don't think about stuff like that, do you? No. I promise you, I ask all the questions you've never thought of answering. No. Yeah. I have to talk to Aaron about that one, about Yep. the That's trauma okay. stuff. Yeah. Yep. That's alright. Yeah. I'll break it all down into Yeah. an email. It's not a problem at all. We can always come back and revisit that at any time that you're comfortable Yeah. Because with, I or can, if you like, just ring find you guys at any time yeah. and then get things Absolutely. adjusted. Is that right? Yeah. Yeah. Absolutely. Yeah. Definitely. Okay. Cool. And we can also do things via email. So, you know, if Yeah. you have a bit time, Paul, you can always email me back, and I I'm can so communicate time email poor. with you and kinda do it. I am. It's understandable with kids. Yeah. I don't know. I just I can't I don't wanna add up anymore. No. No. I've got three I know. kids myself. I Oh completely my goodness. understand. Yeah. Like, I forgot about a couple weeks ago. It was superhero week or whatever, book week. And I'm like, oh my god. My child's not dressed for book week. All these kids are dressed. I'm like Yeah. Oh, no. yeah. I know. So I raced down there with a costume, and I didn't wanna wear it Yeah. anyway. Oh my goodness. Oh, I've I've been Yeah. that parent. I've done that before, set my kids to school and just gone, oh, no. We forgot to dress up today. Oh, no. We forgot to go to Christmas. Yeah. Yeah.","start_word":4613,"end_word":5056,"sentiment":"neutral","sentiment_score":-0.014745789466778169},{"text":"I thought so often, I'm just like, I'm such a shit mom.","start_word":5057,"end_word":5068,"sentiment":"negative","sentiment_score":-0.41113364696502686},{"text":"Yeah. No. So I'm just You're so not. busy You're busy. with, Yeah. like, a 100 things like, a 100 things to Yeah. do. Yeah. Yeah. No. Completely understandable. Yeah. Mom life never ends. Nope. Yeah. Anyway All good. If you want that document, you can move to the next one for me. This is showing your Okay. performance report on how your investors Yep. have returned. So we're going to page two. Yep. This is the Okay. performance of internal rate of return, and it should have a whole list of different investment options there for you to see. Yep. Yep.","start_word":5069,"end_word":5170,"sentiment":"neutral","sentiment_score":-0.007479140069335699},{"text":"Perfect.","start_word":5171,"end_word":5171,"sentiment":"positive","sentiment_score":0.38459312915802},{"text":"So with this one here, you'll see it has all the different investment options. It can be a lot to go through. But if you Yeah. look at the second last column, the heading there is the internal rate of return, and you've got a bunch of percentages below that. Can you see that, Wayne? The second one from the bottom. Yes. It's the second last line across the top. It should say internal rate if we can. Internet Note two. right over there. Am I blind? I'm No. No. just That's okay. am I on the What same are page? you look not sure. What are you looking at? What's the top of the page say? That's okay. Performance with IRR. Is that the Yep. page? Perfect. Yep. Yep. So then under that, you've got the date, and then Yep. under that is your name, Yep. and then you've got our our Yep. financial there, and then you've got a table. Managed. Yeah. On the Managed table? funds. Yep. Yep. Yep. So then if you look at the table in the blue Yep. box, you've got asset type, Am then I looking market value. yeah. Yep. Okay. I'm looking at the blue. I'm looking at these, like, That's okay. You're you fine. know, down the It's asset type, looking at those things. And I'm looking at yep. the last That's one. okay. It says shares. Okay. Okay. That's Yep. all The blue good. column. Yep. Yep. So the second last Gotcha. column Yep. says internal Gotcha. rate of return. Yep. Yep. Gotcha. Yep.","start_word":5172,"end_word":5435,"sentiment":"neutral","sentiment_score":0.032794392399602766},{"text":"Perfect.","start_word":5436,"end_word":5436,"sentiment":"positive","sentiment_score":0.4157984852790833},{"text":"Now this is sort of showing how all those individual investments have performed. Majority of them have performed very well. So you've Yep. got your infrastructure is up 18%, your Australian shares up 14%, If I don't lithium taxes, 36%. If you're just going down that line, you can see those different numbers there. So everything Yep. is performing really nicely. But Yep. this top one here, the Ben along Australian Equities, that one's not.","start_word":5437,"end_word":5511,"sentiment":"neutral","sentiment_score":0.06764544546604156},{"text":"That one's not doing its job. It's underperforming.","start_word":5512,"end_word":5519,"sentiment":"negative","sentiment_score":-0.3778011500835418},{"text":"And even though we've had lots of ups and downs in the market this year, that one should still be performing well because the rest of the Australian market is performing well. Mhmm. So what I essentially looked at doing and and even though you've had a really good return, your portfolio has increased. You've seen a 6% return.","start_word":5520,"end_word":5578,"sentiment":"neutral","sentiment_score":-0.011596985161304474},{"text":"It's great.","start_word":5579,"end_word":5580,"sentiment":"positive","sentiment_score":0.5678027868270874},{"text":"I do wanna go back and make some adjustments, remove some of the underperforming investments. I can maybe look at the cost factor and try to reduce the investment fees within the funds and try to find some investments that have been performing a little bit better to keep your super working harder. Are you open for me doing that for you? Yep.","start_word":5581,"end_word":5643,"sentiment":"neutral","sentiment_score":0.1370466881328159},{"text":"Yes. Beautiful.","start_word":5644,"end_word":5645,"sentiment":"positive","sentiment_score":0.5173536539077759},{"text":"Yes. I definitely wanna remove the underperforming investment. Definitely needs to be going out of there now, so we'll do Okay. that, and Yep. then we can have a bit of a look at it. One of the things I do sort of try to talk about, and it's okay if you're not sure, Mhmm. but that's been a long Australian equity fund. That's an actively managed fund. So the investment manager within that fund is supposed to be trying to outperform against the market. They don't always do so. I've Mhmm. got a couple of options that I can, you know, focus on with regard to replacement of that. Are you wanting me to maybe look at keeping keeping more of an actively amended fund in your portfolio, or do you want me to focus on the cost side of it reducing risk and maybe reducing the investment cost within the super for you? What would you like? I don't know. That's okay. I just want you guys to, you know obviously, you guys are the professionals, so I have no idea about risk and whatever and percentages and all that. So I'll just leave that up to you. Yep. Yeah. That's okay. Well, I can have a look at all the options. Yep. I'll look at all the different investment I have out there. I can make a recommendation, show you what that looks like, show you the difference to the outcome as part of the advice, Yep. and then you can decide what you're comfortable with. I can focus on lowering the overall risk, try to reduce fees where I can as well, and just provide, you know, look at better performing investments as well. How does that sound?","start_word":5646,"end_word":5937,"sentiment":"neutral","sentiment_score":0.039407119154930115},{"text":"That sounds good.","start_word":5938,"end_word":5940,"sentiment":"positive","sentiment_score":0.47032561898231506},{"text":"Yep.","start_word":5941,"end_word":5941,"sentiment":"neutral","sentiment_score":0.25271570682525635},{"text":"Perfect. Focused on that. Excellent.","start_word":5942,"end_word":5946,"sentiment":"positive","sentiment_score":0.4539739191532135},{"text":"Yeah. The next page, if you I think you can scroll down on this document, but it takes you to a second page of that Yeah. same report. Mhmm. Yep. And that same column shows your return as a percentage for the last twelve months. So it shows you've made six point Yep. eight I 0%. So, yeah. realistically, when I sort of look at that return, I look at what the average return is for your risk profile. So you're in a balanced growth environment at the moment, which means that 70% of your super is invested in higher risk investments like Australian and international equities and market property, and then also having some gold and silver and metals in there as well. And Mhmm. then the other 30% in lower risk defensive investments are cash, bonds, and fixed interest.","start_word":5947,"end_word":6087,"sentiment":"neutral","sentiment_score":0.11528922649140054},{"text":"Given your age and state, this is a a good place for you to be in, but Okay. the expected average return of this kind of environment is around about six to 8%. So the fact that you've made 6.80% after fees, net of fees, is a good return. It's well within where the expectation is of that portfolio, and we Yeah.","start_word":6088,"end_word":6149,"sentiment":"positive","sentiment_score":0.46450138092041016},{"text":"just wanna keep building on that for you and try to, you know, make sure those returns keep up and Yeah. work harder as hard as they possibly can. Does that make sense? Yep. Yep.","start_word":6150,"end_word":6184,"sentiment":"neutral","sentiment_score":0.12323655188083649},{"text":"Beautiful.","start_word":6185,"end_word":6185,"sentiment":"positive","sentiment_score":0.4005787670612335},{"text":"Do you have any questions? Not really. No. That's okay. You're fine. The next document, High if you five. keep going for it no. You're fine. Please don't ever say that. It's honestly fine. Okay. If you go to the High next three. document, you yeah. This Yeah. is the Vanguard chart. This is just a guide. It just shows you how markets react and why we invest the way we do. So I kind of like this as more of an educational tool. And this is I mean, this is why I sort of say don't say that you're hopeless because you're not. This is that Yeah. no one is taught any of this. Yeah. And You how know, did I you had learn to go all to this uni. stuff? I had to go to university to become an adviser to learn all of this stuff. Oh So, my goodness. you know, You so must it's like not numbers. something that is taught. I actually really do.","start_word":6186,"end_word":6354,"sentiment":"neutral","sentiment_score":0.02314470335841179},{"text":"I really love this sort of thing.","start_word":6355,"end_word":6361,"sentiment":"positive","sentiment_score":0.5666114091873169},{"text":"And like I said, I've got three kids. I've got my eldest who are 19 and 20. They're getting their first jobs and opening Oh, food wow.","start_word":6362,"end_word":6388,"sentiment":"neutral","sentiment_score":0.2207798957824707},{"text":"for an investing and and building for their future.","start_word":6389,"end_word":6397,"sentiment":"positive","sentiment_score":0.5117058157920837},{"text":"And then Yeah. my youngest is 10, so he's still at school. But, Yeah. I mean, these are sort of things that they don't learn in the school system, so it's the sort of things we don't learn until we later in life. Yeah. And a lot of people never learn any of this information.","start_word":6398,"end_word":6452,"sentiment":"neutral","sentiment_score":0.05463128536939621},{"text":"So part of what I love about my job is that I get to educate people. So you don't have to go to uni and have a $40,000 hack debt to be able to understand how these things work.","start_word":6453,"end_word":6491,"sentiment":"positive","sentiment_score":0.5178030133247375},{"text":"Yep. Yeah. You know, Exactly. it's about making sure Yeah. that we can pass on that knowledge and help you essentially understand how things are working and how markets grow and how Yeah. risk is not always a bad thing as long Yeah. as you're at an age where you can withstand certain types of risk, essentially. So Yeah. yeah. Okay. But Yeah. this is just a lot. This document, I get Yep. that. Yep. Essentially, it is just showing you the different investments. So remember before when I talked about being 70% in those growth, higher risk investments within your sort of portfolio or your environment? Yep. So those essentially are on the side here. You've got US shares, Australian Yep. shares, international Yep. shares, and listed property. Those are growth investments, and you can see why they're considered growth investments.","start_word":6492,"end_word":6633,"sentiment":"neutral","sentiment_score":0.09193380177021028},{"text":"They get a really good rate of return.","start_word":6634,"end_word":6641,"sentiment":"positive","sentiment_score":0.42937666177749634},{"text":"The US shares, as an example, over the last thirty years, has averaged a 10.80% return compounded, which is great.","start_word":6642,"end_word":6661,"sentiment":"neutral","sentiment_score":0.17830424010753632},{"text":"But you can also see that it had some very ups and downs, and that's where markets make a lot of people very nervous. We No.","start_word":6662,"end_word":6687,"sentiment":"negative","sentiment_score":-0.43463775515556335},{"text":"sort of see when the market is going down, that is definitely illuminated in the world. It's on every TV news page, and on the podcast. Everyone talks about it. And Mhmm.","start_word":6688,"end_word":6719,"sentiment":"neutral","sentiment_score":-0.18609727919101715},{"text":"then when the markets are doing well, we don't hear as much. So it's very much a fear mongering world that we're in.","start_word":6720,"end_word":6742,"sentiment":"negative","sentiment_score":-0.4696730375289917},{"text":"Yes. But what we sort of wanna make sure is that you're in a risk profile and you're invested in your super in a way that you're getting growth and compounding that and working that forward, but that you're also in a level of risk that you're comfortable with because there is always a downside. And we just wanna make sure when the portfolio is down, when the markets are down, that you're able to stay in that portfolio, wade through that downtime, and then come out the other side before you're gonna access your super. That's Yes. essentially what we wanna see and how we see risk and why we kind of do things the way we do, essentially. Okay? Okay.","start_word":6743,"end_word":6864,"sentiment":"neutral","sentiment_score":-0.0451561090704359},{"text":"Yep. Beautiful.","start_word":6865,"end_word":6866,"sentiment":"positive","sentiment_score":0.4822985827922821},{"text":"The next document along is your certificate of currency, which outlines more about your insurance policy. So I'll add Mhmm. this into the email afterwards for you just so you can kind of see everything, and then you're able to talk to Aaron and kind of break it all down and make it easier. Yes. Okay. Yes.","start_word":6867,"end_word":6923,"sentiment":"neutral","sentiment_score":0.2035294622182846},{"text":"Excellent.","start_word":6924,"end_word":6924,"sentiment":"positive","sentiment_score":0.5779922008514404},{"text":"The next one along from that is the OP Financial Services guide. It lines everything about who we are, what we do, and how we do it. It essentially just runs you through everything about us. It's got all my licensing information there because I'm a licensed adviser and registered with there as well for you. Okay? Okay. And then we've also got the ongoing service agreement, which is the document attached there. That's essentially outlining the fee structure for being an ongoing client with us. As you said, and our and our clients, we do charge an ongoing service fee. You're both on 1.10% currently, and that's the coupling fee. So our ongoing service fee is only at 1.65%. We've reduced it as your clients, making sure that we're looking after both of you. That fee structure could change down the track, but for now, that's essentially what we're charging for our services. That 1.10% is that's a year, and it's deducted in smaller monthly increments out of your super, and that's essentially allowing us to provide our services, keep looking after your super. And it also includes advice. So that implementation fee that you paid initially to come on board, we will never charge that again for advice around super insurances. That's all included in the ongoing services phase with yeah. And we'll provide advice as often as we have to to help you along, and there's no additional fees for that advice, essentially. Does that make sense?","start_word":6925,"end_word":7174,"sentiment":"neutral","sentiment_score":0.18037616074085236},{"text":"Yes. Beautiful. Yep.","start_word":7175,"end_word":7177,"sentiment":"positive","sentiment_score":0.44099318981170654},{"text":"Do you have any questions about any of those documents, the ongoing service agreement, or anything around that? No. I don't really. No. No. That's I don't okay. think so. That's alright. Look, you Yeah. are welcome to go back and have a read of those documents there. I do ask that we do get you to sign and return that back to remain as a client, so we can look after things and do the research and provide Yeah. the updated adviser for you. Okay. Can And I if find you it decide to yeah? I'm just can I find it that's on okay. You're fine. net? Like, I'm just trying to work out if I can find it. Not That's it. okay. Yeah. It's alright. So yeah. It's okay. So I have to get it do you guys send this out to me in the post and I can return it to you guys? Did you wanna do a website? Did you is it because we normally just as part of this, you just sign it electronically and it comes back to us. Yeah. Okay. I don't know how to do that. That's I'm okay. not that kind of section, No. That's that's alright. If you go to the bottom of the document there, is it giving you an option to sign or does but it say click to sign? Or if you go to the bottom page of that document, it should have a signature section. Can you see that at all? I wouldn't know. Section, but Yep. Generally, I wouldn't if you just know. click on that button, it'll pre populate a signature. Yeah. That's why I was clicking on it to see if it would do anything, and it doesn't do anything. Oh, that's And very let me weird. see. Very weird. Yeah. I don't know. Maybe If the my team the laptop's old. I don't know. that's okay. Did you prefer if we emailed it out to you for you to maybe print, sign, and then scan back to us I or can post it out? How would I be can easier? print it I can print it out at work, I suppose? And then I think because Aaron I think you guys sent something to Aaron, and he just returned it. Yeah. We normally send everything kind of electronically signed. Oh, okay. And yeah. Because Ode is the the normal way that we have everything sort of electronically signed. But normally, Yeah. when you press that button, click the satellite, it goes through all the documents. And then when you get to the bottom, there's sign here button, or you can click on the signature button and automatically sign it. Worst Yeah. case, you'd But always when I click just on yeah. it, it doesn't do anything. Yeah. Interesting. You could always just Does when it Aaron have to gets go home, in? ask him to give you a hand. Yeah. Sorry. Maybe. Right. Yeah. I'll ask him. Yeah. Yeah. You're I'm right. hopeless with computers. No. Yeah. That's I honestly just know how fine. to, like, use If my not system at work. I see it, like, yeah. ask me to write, like, do something on Word and all this. I'm like, oh my god. I haven't done that Not since happening. school. So yeah. That's okay. I can also get one of my team to give you a buzz later if you like to kinda give you a little bit of help with the signing process. It's not a problem at all. Okay. No Or worries. we can email that for you to put in sign and return.","start_word":7178,"end_word":7794,"sentiment":"neutral","sentiment_score":0.010257779638795409},{"text":"More than happy to work in with your comfort level. That's absolutely fine.","start_word":7795,"end_word":7807,"sentiment":"positive","sentiment_score":0.5431255102157593},{"text":"Yeah. I'll ask Okay. her and see how Yep. to do it, like, how he did his. Because I know he's I know he's done his, like, months Yep. ago. Yeah. So I'll All good. ask him. Yeah. Yeah.","start_word":7808,"end_word":7846,"sentiment":"neutral","sentiment_score":0.07890806748316838},{"text":"Alright Perfect.","start_word":7847,"end_word":7848,"sentiment":"positive","sentiment_score":0.515476644039154},{"text":"then. If you get stuck, let us know. That's not a problem at Yeah. all. The last thing I just wanted to sort of touch on is just reevaluating a couple of small things. With your goal of accessing super at, hopefully, the age of 60, how is expenditure within the household at the moment? Do you feel that you would be willing or okay to make additional contributions to suit that it helps your balance grow a little bit faster, or is that not something you guys have the the money for at the moment? Expenses are a bit tight. How do you feel about that? Yeah. I don't know. Just like I don't know. Just feels like every week a lot comes out of their account, like, bills and like, we've just been paying bills this morning. So Yes. and, like, yeah. And I'm like, oh, they're bigger than last time. And I'm like, you know, everything is just going up. So yeah. Yes. I don't know. So that But that's okay. We can always hold off and do that down the track. That's not a problem. yeah. That's okay.","start_word":7849,"end_word":8040,"sentiment":"neutral","sentiment_score":-0.0014930160250514746},{"text":"Beautiful. Excellent.","start_word":8041,"end_word":8042,"sentiment":"positive","sentiment_score":0.6553337574005127},{"text":"And just with the beneficiary side of things, just confirming that you wanted your beneficiary set up so everything is paid to Aaron in the event that something happens. Is that right? Yeah. That's right. Yep. Beautiful. And have you guys ever done up a will or power of attorney or a state planning Alright. documents We need or seen to. a solicitor? Alright. Yeah. We need to That's there's okay. a lot of things we need to do, and we don't we just don't Yeah. we have to make obviously, you have to make the time to do it. But, Yeah. yeah, life just gets That's busy, okay. and then you just that's the last thing you wanna do is, like, sort out stuff. Yeah. Yeah. But, yeah, I No. know I need Completely to do a will. understandable. Yeah. That's right. Inside Because of I that have email, children. if you like Yeah. yes. Absolutely. And and guardian, if you're also part of that, just making sure if something happened to the two of you, what happens to the children, how they're looked after, you know, who they go to. All those things are very important to think about as well. Yeah. But to kinda make it a bit easier on you, as part of that email, I can draft up a bit of an estate planning email as well with a couple of different options on how you can do a will kit as easily as possible for you guys. So you can kind of talk it through and maybe start that conversation. How does that Yeah. sound? Yeah.","start_word":8043,"end_word":8314,"sentiment":"neutral","sentiment_score":0.052998730501926994},{"text":"That sounds really good. Yep. Beautiful. Yeah. Excellent.","start_word":8315,"end_word":8322,"sentiment":"positive","sentiment_score":0.5250990390777588},{"text":"I'll pop Yeah. all that in a bit of an email, try to break it down Okay. for you, and that I way didn't you've know got you something guys did just a stuff like bit of that. a starting point to make it Yeah. easier.","start_word":8323,"end_word":8368,"sentiment":"neutral","sentiment_score":0.08911839872598648},{"text":"Excellent. Yeah. Thank you.","start_word":8369,"end_word":8372,"sentiment":"positive","sentiment_score":0.417986273765564},{"text":"The last the last okay. It's what I'm here for if you ever have questions, you're unsure about anything, you need clarification, you let me know. I will always make time to call, or you can ask me by email, and I'll follow-up. Not a problem at all. So I'm here for Okay. you. Now for you to use it to your extent. Okay. Thank you. That's alright. Yeah. The I last was thing talking is not attached. to Sorry. one of my friends about you guys, and she's Yes. like, oh, yeah. I'm interested. So I was like, oh, okay. Yeah. So I'm just like, can No. you Well, let them if know to call me? And I'm like, yeah. I guess so. did you want us to organize an introduction? Or is she happy is, like, did you wanna sort of give us the information? I can organize someone to call and sort of give them an idea of what financial advice is and how it works. Yeah. So I should just send you guys an email with her, like, details and stuff? Yeah. Yeah. Absolutely. Yes. Yep. Okay.","start_word":8373,"end_word":8563,"sentiment":"neutral","sentiment_score":0.05776936933398247},{"text":"Perfect.","start_word":8564,"end_word":8564,"sentiment":"positive","sentiment_score":0.3472645878791809},{"text":"No worries. It Yeah. can be with any one of the advisers. If you prefer it with me, that's absolutely fine. It's more just the referral side of things, and we do have a referral program.","start_word":8565,"end_word":8600,"sentiment":"neutral","sentiment_score":0.2546231084399753},{"text":"So if your friend decides to take on the advice to come on board as a client, we do send you a $100 gift card as a bit of a thank you.","start_word":8601,"end_word":8632,"sentiment":"positive","sentiment_score":0.42579784989356995},{"text":"So there's Okay. always that option, but I'll put Yeah. the in that And I information was just talking in the to email her about for it, you. and she's just like, oh, please please. I I need the number, and I'm like, oh, okay. Yeah. No. Yeah.","start_word":8633,"end_word":8680,"sentiment":"neutral","sentiment_score":0.0520671047270298},{"text":"Perfect. That's not a problem.","start_word":8681,"end_word":8685,"sentiment":"positive","sentiment_score":0.40041160583496094},{"text":"I'll absolutely put that in the email for you as well, and you can Mhmm. just reply back with the details, and Yep. then I can organize the instruction call. If you just find out from them when's more comfortable for us to give them a call, that way we can make it at a more appropriate time for them, and Yes. then we can touch base if you prefer to maybe kinda bring them on board if you're comfortable with me being the adviser. It's fine if you just don't mind if any adviser in the firm. Our Any admin anyone's team will fine. touch base Yeah. and and you Yeah. want to find beautiful. Yeah. Well, Our admin team will touch base and it organize doesn't bother it. me, like, what she does. Do you know what I mean? But she just well, I was just talking about having this review and blah blah blah, and I had to reschedule it. And then because this happened and that happened. That's how we started to talk about super. Yeah. Yeah. So yeah. And then she was like, oh, that sounds good. Uh-huh. And then yeah. Yeah.","start_word":8686,"end_word":8882,"sentiment":"neutral","sentiment_score":0.10756801813840866},{"text":"Anyway Beautiful. Fantastic. yeah. Well, thank you for that conversation. I really appreciate it. We wanna help as many people as possible, obviously.","start_word":8883,"end_word":8905,"sentiment":"positive","sentiment_score":0.4501062035560608},{"text":"You know, we all work very, very hard, and retirement isn't something that everyone's prepared for. And it's important that Yeah. everyone has as much guidance as possible, and that's what we're here for.","start_word":8906,"end_word":8939,"sentiment":"neutral","sentiment_score":0.1632129565319594},{"text":"That's what we wanna do. And one of the things I love about this, a, is the educational value, but the other side of it is we are working in the best interest. So we'll always put your needs above that of our own of our company.","start_word":8940,"end_word":8986,"sentiment":"positive","sentiment_score":0.4129391610622406},{"text":"So we always Yep. put yeah. We work under your best interest in making sure that we put your goals and your needs above that of everything else. That's really important to us here Yeah. as well.","start_word":8987,"end_word":9023,"sentiment":"neutral","sentiment_score":0.2743742763996124},{"text":"Okay. Thank you so much.","start_word":9024,"end_word":9028,"sentiment":"positive","sentiment_score":0.5692450404167175},{"text":"Okay. That's okay. The last thing I just wanted to sort of go through was a quick response just to sort of gauge whether the action change your portfolio or your risk tolerance, essentially. I only have two questions, and it's essentially okay if you're not really sure on how you might react. But if you saw, say, the market took a big dip and we saw your super fall by 20% in the next, say, six to twelve months, How do you think you might feel? Are you probably excited it's a buying opportunity? Wanna put some more money into the market? Are you a bit concerned? You might call us and see what we suggest you do, or are you very nervous and wanting to sell your investment to cash? How do you where do you think you might fit? I'll probably call you guys. Yeah.","start_word":9029,"end_word":9176,"sentiment":"neutral","sentiment_score":0.012110888957977297},{"text":"Perfect.","start_word":9177,"end_word":9177,"sentiment":"positive","sentiment_score":0.3676650524139404},{"text":"Yeah. Good And answer. get advice. Yeah. Absolutely. Yep. And the second the last question that I'd like to ask is when you think about risk, do you feel you're comfortable taking a higher level of risk to get greater potential returns knowing there's also a downside? Are you comfortable Yeah. with a moderate or medium amount of risk to get the best returns you possibly can, or are you happy or comfortable with a lower level of risk? I know Aaron's answer was high risk, Yep. but Yours can be very different. yeah. And I think I went with more of a moderate risk. Moderate risk? Well Yes. yeah. Perfect. Yeah.","start_word":9178,"end_word":9289,"sentiment":"neutral","sentiment_score":0.02229912579059601},{"text":"Excellent. Let's pop you in there. Beautiful.","start_word":9290,"end_word":9296,"sentiment":"positive","sentiment_score":0.4073747992515564},{"text":"Yeah. Now you have kinda scored in that sort of growth area side of things. The balanced growth portfolio that you're in is realistically one level down from the growth environment. As I kinda mentioned, that seventy thirty kind of split with investments expected. Our return is about six to 8%, and the likelihood of a negative return is expected one in every six years. So it is relatively low risk. If we kinda think about risk as out of a number between one and five, so one being all sitting in cash, five being all your money in equity, and you're taking the highest level of risk, you're sitting at around about a three to four. So you're very much that middle to low kind of area. Do you feel like you're comfortable staying in that environment? Did you wanna try and take a little bit more risk, or you'd rather stay where you are? Yeah. Probably just stay where I am, but That's fine. what Yep. would you do? Honestly, we could we could be in that growth environment and step it up a little bit and have, like, an Yep. eighty twenty split. Realistically, the eighty twenty split is 80% in those growth assets. So the Australian shares, US shares, property, and then some gold and silver, and 20% in those lower risk investments. The average expected return is between seven to 9%, and the likelihood of a negative year is one every five. So, realistically, you could step it up a little bit more. You have that Yeah. time horizon ahead of you. Yeah. If you were about six years away from accessing super, I would be telling you to pull your risk down and, you know, I would guide you back. I would never leave you there right Okay. till retirement. That's all. But it's Yeah. also gotta be your comfort level. If you're a bit nervous about increasing that risk level a little bit, then you're fine to stay where you are. It's gotta be within your comfort level as Yeah. well. What do most people do, though? Do they just Most people in our age group are kind of in that growth environment sitting between that 80 to 20 split, but I do have some clients that are in that balanced growth environment or taking less risk in their forties as well, and there's nothing wrong with that. It's more about your comfort level as well as your time horizon. But Yeah. you do have the time horizon and the risk capacity to go through those ups and downs and be in that growth environment and just take on a little bit more risk trying to get greater potential returns. If you're ever not comfortable, you can pull it back, or you Yeah. can stay where you are for a bit longer, and we can always decrease that down the track depending on your comfort level. Yeah. Well, should we increase it to the eighty twenty now and then Yes. see how I go and then Yes. do a then, like, you I don't know. Let me know how I'm going or Absolutely. and then if you think Yep. I need to pull back, let me know. Something Yeah. like that. Definitely. Let's Yeah. with the advice, I'll do that as an eighty twenty split for you. We'll go more growth for you, and then I'll make sure we touch base six months after the advice has gone through. That Yeah. way, we can reassess how the portfolio is working, how it's Yep. all working for you, and your Yeah. comfort level. If you were ever Yeah. Yeah. not comfortable, you can tell me. We can call back. And if not, we'll just, every six months, touch base, talk about what's happening, look at the portfolio, and then we can make changes if we need to. Is that okay? Yeah. That way, we're Yeah. doing it gradually. Yeah. We're not taking on too much risk, and Yeah. we're keeping in touch regularly to see how you feel about it and what's happening Yeah. with your Uber. Does that sound comfortable? Yeah. Sounds yeah. Yep.","start_word":9297,"end_word":9997,"sentiment":"neutral","sentiment_score":0.04606946519497628},{"text":"Sounds good. Beautiful. Excellent.","start_word":9998,"end_word":10001,"sentiment":"positive","sentiment_score":0.5716942548751831},{"text":"The next slide of it is, after the call, I will just fill up an email. It'll come through sometimes that each of the estate planning and the insurance information there. As part of the advice, I'll reassess the growth portfolio, your super, how it's structured, the investments within, the cost side of things, and I'll also look at this increase in your income protection along with that as well. I just wanted to double check because I'm looking at insurances just to see if there's any changes to your health Mhmm. that I need to maybe take into account. Yep. I just got the last free assessment that I have here. No. There's nothing in it. That's okay. We'll go to the insurance application we originally had. Just checking, you're part time are you full time now? What are your work hours like? I am I do thirty six hours Mhmm. a week Mhmm. at one job, but then I do it an eight hour shift at another job. So Okay. it's, like, Perfect. 40 I got 44, forty Yeah. five. So you have Yeah. technically two jobs. Are they very different industries? So I'm going to, like, the disability sector at the moment, and then Right. I've I've put in aged care. So I'm still doing Yep. a shift in the in aged care, and then I've Mhmm. it's just getting too much, that job. So I'm just like, I Yes. need to do something different. And then so I've gone into disability, which is a bit more not a full on. So I still have a lot to do, like, with care plans and stuff like that, but just yeah. I'm just, like, trying to get out of the the busyness of the other place. Mhmm. Yeah. Yeah. Absolutely. No. Yeah. That's okay. What I might need to do I'm just sort of having a look at the the last application. There's really nothing that kind of flicks up, but because you do have those two jobs, I just need to kind of understand a bit more about those roles to be able to assess the increase in income protection and what that looks for you and what kind of contracts might be offered so the advice is nice and accurate. Yeah. Is it okay if I get one of my admin team just to call and go through a bit of a quick pre assessment with you one day next week just so I can get a full guide on how Yep. everything looks for you for the advice? Yep. No worries.","start_word":10002,"end_word":10437,"sentiment":"neutral","sentiment_score":0.03549636618464912},{"text":"Beautiful.","start_word":10438,"end_word":10438,"sentiment":"positive","sentiment_score":0.5411932468414307},{"text":"Is there a day that normally fits you best for a time? It should only take about sort of five to ten minutes. Yeah. Just maybe next Thursday because I'm child Next free. Thursday? Yeah.","start_word":10439,"end_word":10473,"sentiment":"neutral","sentiment_score":0.06175043061375618},{"text":"Perfect.","start_word":10474,"end_word":10474,"sentiment":"positive","sentiment_score":0.42953717708587646},{"text":"And the same time, does that suit you? Generally, Yeah. about 10:30? Yeah. Yeah. Yep.","start_word":10475,"end_word":10489,"sentiment":"neutral","sentiment_score":0.10808421671390532},{"text":"Perfect. I've popped that one in there.","start_word":10490,"end_word":10496,"sentiment":"positive","sentiment_score":0.3853627145290375},{"text":"So my team member, Samantha, will give you a call. She'll run through a bit of a pre assessment with you just to kinda get a gauge on how everything is, any change circumstances on what your work looks like. And then Yep. as part of the the details, I can go back and really assess everything in full and update the advice so you get a really good view of what all that looks like, and then we can Yep. talk about whether you're comfortable taking it or not. Okay. Okay. No worries.","start_word":10497,"end_word":10590,"sentiment":"neutral","sentiment_score":0.18515482544898987},{"text":"Thank you.","start_word":10591,"end_word":10592,"sentiment":"positive","sentiment_score":0.45405465364456177},{"text":"I'll add a text message reminder there for you, Allison, as well. So Yes, it sends please. you a message prior. That way, if anything comes up, you're welcome Yeah. to let us know. We can reschedule. It's not a problem. Okay? Yeah. Yeah. Because, like, last time when I had the book week, and I didn't even know it was on oh, no. It was a sports carnival. Sorry. The sports carnival. Yep. And I'm like, oh, no. I had to ring up to say sorry. No. It is honestly Yeah. absolutely fine. We things come up, and we fully understand that. Yeah. So there is no issues at all. I'll put the text message reminder on this. It'll send you a message Yeah. around Thank about you. sort of 839 to give Yeah. you a reminder, Yeah. and then you're welcome Yeah. to Yeah. let us know if something comes up. Okay? Thank you. Thank you. That's okay.","start_word":10593,"end_word":10752,"sentiment":"neutral","sentiment_score":0.0963924676179886},{"text":"Thank you so much for your time.","start_word":10753,"end_word":10759,"sentiment":"positive","sentiment_score":0.44402575492858887},{"text":"If you get stuck trying to sign a document, let me know. If Aaron can help, absolutely great. If you Yeah. need it sent another way, please let me know. But thank Yeah.","start_word":10760,"end_word":10792,"sentiment":"neutral","sentiment_score":0.07572388648986816},{"text":"you so much I for will. your time. I really Okay. appreciate it. Alright. Thank you. Yeah. Thanks Thanks. for I'll everything.","start_word":10793,"end_word":10814,"sentiment":"positive","sentiment_score":0.5116612911224365},{"text":"talk to you. You That's know okay. you know your stuff. And, Thank you. yeah, I don't know how you learned this. Like, how long did this take at uni? I did a technically, I did in about four years because I did my undergrad, and then I went to uni to finish my degree. But it's normally Yeah. about a six year degree full time. Wow. Wow. Yeah. Yeah. Crazy. No. It's all good. I'll make sure Okay. I look after you, but thank you so much for your Yeah.","start_word":10815,"end_word":10905,"sentiment":"neutral","sentiment_score":0.10955387353897096},{"text":"time. I hope you have a good day.","start_word":10906,"end_word":10913,"sentiment":"positive","sentiment_score":0.5985543727874756},{"text":"Yeah. You too. Okay.","start_word":10914,"end_word":10917,"sentiment":"neutral","sentiment_score":0.2611399292945862},{"text":"Thank Thanks, you.","start_word":10918,"end_word":10920,"sentiment":"positive","sentiment_score":0.6447762846946716},{"text":"Allison. Bye. Talk soon. See you later. Bye. Bye. Bye.","start_word":10921,"end_word":10930,"sentiment":"neutral","sentiment_score":0.2058827131986618}],"average":{"sentiment":"neutral","sentiment_score":0.05196116122925919}}}}